Invest in Your Children's Future
University fees, private school costs and the rising price of opportunity. MomPlans connects you with an FCA-regulated adviser who helps you build a tax-efficient education savings plan for your children, starting today.
Junior ISA explained
Understand how to use the £9,000 annual Junior ISA allowance to build a tax-free fund for your children's future.
University fee planning
With tuition fees up to £9,250 per year plus living costs, starting early makes an enormous difference to your family's finances.
Private school cost planning
From prep school fees to secondary education, an FCA-regulated adviser helps you plan realistically and save efficiently.
£9,000
Annual Junior ISA allowance, tax-free, for each child
£60k+
Estimated total cost of a 3-year UK university degree including living costs
£46k
Average annual fee for a UK independent secondary school (ISC, 2024)
Every year you wait is compound growth your children miss.
£200 per month invested in a Junior ISA from birth could grow to over £80,000 by age 18, assuming average market returns. The same amount saved from age 10 grows to roughly £35,000.
An FCA-regulated adviser helps you choose the right accounts, invest appropriately for your children's ages and build a plan that makes the numbers work for your family.
Starting early transforms the outcome
Compound growth over 18 years is dramatically more powerful than larger contributions made later. A relatively small monthly contribution to a Junior ISA started at birth can accumulate a life-changing sum by the time your child turns 18.
University fees are rising and the debt is substantial
Current tuition fees of up to £9,250 per year mean that a three-year degree alone creates over £27,000 in debt before living costs. Families who plan ahead can reduce or eliminate the student loan burden entirely.
Private school fees require long-term planning
With average UK independent school fees rising above £46,000 per year, funding private education requires disciplined savings, the right investment wrappers and ideally early planning before fees begin.
Independent advisers who understand family financial planning
MomPlans connects you with FCA-regulated independent advisers who specialise in long-term savings and education planning. They are not tied to any product provider and have a legal duty to act in your family's best interest.
Regulatory references
Three steps to your child's education fund
Share your children's ages and goals
Tell us the ages of your children and what you are saving for, whether university fees, private school or a general financial head start.
Get matched with a financial adviser
MomPlans connects you with an FCA-regulated adviser who specialises in long-term family savings and education planning.
Receive a personalised education savings plan
Your adviser calculates how much you need to save, recommends the right accounts (Junior ISA, pension, trust funds) and sets up a plan with transparent costs.
They started planning. Their children will thank them.
"I always knew I wanted to save for my daughter's future but had no idea where to start. My MomPlans adviser set up a Junior ISA and showed me exactly how much it could grow by the time she turns 18. It was a revelation."
"My eldest is 12. My adviser helped me model exactly what we needed to save each month to cover university costs. We restructured our savings and I feel completely in control of the plan."
"We want to give our son the option of private secondary school. My adviser helped me understand the true cost and set up a savings structure that makes it genuinely achievable. I could not have done it alone."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
FCA-regulated advisers
Every adviser we connect you with is authorised by the Financial Conduct Authority and holds a legal duty of care to recommend what is genuinely best for your family.
Fully independent
Our advisers are not tied to any bank or product provider. They recommend the best Junior ISA, investment account or savings wrapper for your specific situation.
Transparent costs
Your adviser explains exactly how they are paid before any work begins. No hidden charges, no commissions that influence their recommendations.
UK GDPR compliant
Your personal and financial data is handled in full compliance with UK data protection law. Nothing is shared without your written consent.
Your questions answered
What is a Junior ISA and how much can I put in?+
A Junior ISA is a tax-free savings or investment account for children under 18 who live in the UK. You can contribute up to £9,000 per child per tax year, from anyone including parents, grandparents and friends. Growth and withdrawals are completely tax-free. The child cannot access the money until they turn 18, at which point the account automatically converts to an adult ISA in their name.
Should I choose a cash Junior ISA or a stocks and shares Junior ISA?+
For long investment horizons (8 years or more), a stocks and shares Junior ISA typically outperforms cash over time, though it carries more risk in the short term. A cash Junior ISA offers certainty and is more appropriate for shorter timescales or more risk-averse families. Many advisers recommend a combination, with an emphasis on growth investments for younger children and a gradual shift to lower-risk assets as the target date approaches.
How should I save for my child's university costs?+
The most tax-efficient approach for most families is a Junior ISA, which provides tax-free growth and a lump sum available at 18 (just in time for university). For families who can afford larger contributions, an investment account in the parents' name can also be used flexibly. Your adviser will model exactly how much you need to save each month based on current fee levels and projected growth.
Can grandparents contribute to a Junior ISA?+
Yes. Anyone can contribute to a child's Junior ISA, not just the parents. The total contributions from all sources must not exceed the annual allowance of £9,000 per child per tax year. Contributions from grandparents may also form part of estate planning strategies, as regular gifts from income can be exempt from inheritance tax.
What happens to the Junior ISA when my child turns 18?+
At 18, the Junior ISA automatically becomes an adult ISA in the child's name. At that point, it is the child's money to use as they choose. Some parents choose to have a conversation in advance about the intended purpose of the fund. There is no tax event at conversion and the money continues to grow tax-free within the ISA wrapper.
Is MomPlans regulated?+
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice ourselves. Every adviser we introduce you to is authorised and regulated by the Financial Conduct Authority.
The best gift you can give your children starts with a plan today.
MomPlans connects you with an FCA-regulated adviser who will build a personalised education savings plan for your family. Free to start, no obligation.
- Free savings plan consultation
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- Junior ISA and investment planning
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- FCA-regulated advisers
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice. The value of investments can go down as well as up and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. Projected growth figures are illustrative only and not a guarantee of future returns. This page is for information purposes only and is not a personal recommendation.