Qualified expense intelligence
Every swipe is scored against IRS education expense categories—tuition, required fees, books, supplies, and certain room & board. Flag edge cases before they become tax-time surprises.
Now inviting founding families
College savings that
spend as smart
as they grow.
529 Wallet is the card and control layer for education savings. Parents set the guardrails. Students swipe for tuition, books, and housing. Every purchase is tracked for qualified expenses—so the money works harder and the taxes stay cleaner.
$0
in U.S. 529 assets to unlock
0%
qualified spend auto-tagged
0h
avg. setup to first swipe
Built for education money
Everything between savings and the swipe
Not another generic debit card. A purpose-built system for how families actually use 529 plans—from first tuition bill to graduation.
Student cards with guardrails
Issue physical and virtual cards with merchant controls, category limits, weekly caps, and freeze-on-demand—so independence doesn’t mean unlimited access.
Real-time parent alerts
Instant push and email when big tickets hit, when a purchase needs review, or when a semester budget is running low. Stay informed without micromanaging.
Plan-aware funding
Connect distributions from your 529 custodian workflow. Match withdrawals to actual spend, reduce idle cash on the card, and keep growth working longer.
Tax-ready year-end exports
One-click qualified expense reports for your CPA—organized by beneficiary, school year, and category. Less shoebox. More certainty.
Multi-student households
One family vault, many beneficiaries. Separate cards, budgets, and reports for each kid—without losing the household overview.
Four steps
From plan to first swipe
Built for busy parents and students who shouldn’t need a finance degree to spend education dollars correctly.
01
Link your 529
Securely connect your plan details and set up household beneficiaries in minutes.
02
Set the rules
Define budgets, merchant categories, and alerts that match your family’s comfort level.
03
Issue student cards
Ship metal or plastic, or share virtual cards for digital wallets—ready for move-in day.
04
Spend with clarity
Students swipe. Parents see. Every transaction lands in a tax-ready ledger.
Parent dashboard
The semester, at a glance
Watch budgets, qualification rates, and student activity without digging through bank statements.
Spring semester · Avery Chen
University of Michigan · Academic year 2025–26
$12,840
↑ on track vs budget
96.2%
3 items need review
$9,160
of $22,000 semester
Designed for both sides of the family
Parents keep control.
Students get freedom.
For parents
Sleep better on move-in weekend
You’ve saved for years. Now protect those dollars without turning every purchase into a negotiation.
- Full visibility into every card, budget, and flag
- Smart limits by category, merchant, or dollar amount
- Audit-ready records when the IRS (or your CPA) asks
- Freeze & replace cards in one tap if something goes wrong
For students
Independence without the awkward money talk
Pay for what college actually costs—clearly, quickly, and without waiting three days for a transfer.
- Tap to pay at the bursar, bookstore, and dining hall
- Know your balance before you buy—no surprise declines
- Learn money skills with budgets that feel fair, not punitive
- Apple Pay & Google Wallet ready from day one
Early families say
Confidence, not guesswork
★★★★★
“We used to dump receipts in a folder and pray. With 529 Wallet I know Avery’s housing deposit was qualified the second it cleared.”
★★★★★
“I don’t have to text my dad every time I need textbooks. The card just works—and he still gets the alerts he wants.”
★★★★★
“Tax season went from a weekend project to a fifteen-minute export. That’s the whole product for me.”
Questions
Straight answers on 529 spending
No. We partner with the savings you’ve already built. 529 Wallet is the spending and control layer—cards, categorization, alerts, and reporting— that sits on top of your existing plan and distributions.
Typically tuition, mandatory fees, books, supplies, equipment required for enrollment, and certain room and board for eligible students. Rules can vary; we surface guidance and flags—but always consult your tax professional for your situation.
We’re built to work with major custodians and state-sponsored plans. During early access we’ll confirm compatibility for your specific plan and walk you through the cleanest funding flow.
Parents set per-card budgets, merchant categories, and optional approval thresholds. Students see remaining balances in-app. You can adjust rules anytime—before finals week or summer break.
Security is foundational: bank-grade encryption, tokenization for card data, multi-factor authentication, and least-privilege access for family members. We never sell your transaction data.
Limited founding cohort
Give education savings a smarter last mile
Join families getting priority card issuance, concierge onboarding, and founding pricing for life.
No credit check to join the waitlist · Free for founding families · Cancel anytime