Launching in the UAE · DIFC sandbox

A snowball
that rolls for
fifty years.

The first investing app built for 12 to 18 year olds. Drag the slider. Watch it grow. Then see the cars, trips, and houses it could pay for.

The snowball
$10K
by age —
$100K
by age —
$1M
by age —
Your future
$327,420
if you snowball $50 a month from age 14 to 65
Monthly amount $50
Starting age
You invest
$30,600
Compounding adds
$296,820
That's
10.7×
your money
Join the waitlist See what it buys →
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What it actually buys

At this pace, here's the life your snowball pays for.

Each dream lights up at the age you can afford it, based on the amount you picked. Change the slider at the top and watch the ages change.

The math, plotted out

What you put in, and where compounding takes it.

The dashed line is what you actually invest. The gradient line is where compound interest takes it. The gap between them is the part that only gets bigger the earlier you start.

Portfolio value at age 65
$327,420
Assumes the amount and starting age from above. 7% average annual return, reinvested.
Compounded total What you actually put in
14 25 35 45 55 65
Why age 14 matters

The cost of waiting is the house you never buy.

Same $50 a month. Same ETF. Same 7% return. Only the start age changes.

14
Starting age
$327,420
by 65
18
Starting age
$231,800
by 65
25
Starting age
$123,100
by 65
35
Starting age
$58,500
by 65

Figures assume $50 a month, 7% annual return, reinvested, until age 65. Historical ETF average, not a guarantee. Capital at risk.

Streaks, rewards, and badges

Investing, gamified without being silly.

Every month you snowball is another tile lit up, another badge unlocked, another milestone closer. Duolingo taught a generation a second language with streaks. Snowball uses the same mechanics for wealth.

🔥

12 month streak

Twelve months in a row of sticking with it. That's twelve real contributions, each one compounding for the next fifty years. Miss a month? You have one streak freeze per year, automatically.

🌱
First Snowball
Your very first contribution
🎯
$100 Club
$100 total invested
🐣
Early Bird
Started before 15
🏅
Half Year Hero
6 months in a row
💎
$1K Club
$1,000 invested
🚀
Year Strong
12 month streak
🏔️
$10K Club
$10,000 portfolio
🌍
Global Explorer
Invest in global ETFs
👑
Millionaire Track
$1M projected
How it works

Three screens. Three minutes. One snowball.

1

Pick an amount. Watch it grow.

A slider from $5 a month up. As you drag it, the chart morphs and a number counts up. It takes about three seconds before a teen says "I need this".

2

Pick an ETF in plain English.

The Whole World. America's Biggest. Clean Energy. Tech Giants. No ticker symbols until you want them. All diversified, all low-cost, all appropriate for a minor account.

3

A parent approves. You're rolling.

Under 18 requires a custodial approval. Parents get the invite, do a 60-second KYC, connect a payment method, sign off. From that day on, it runs monthly.

For parents and guardians

Built like a bank. Feels like an app.

You're handing a child a lifetime financial habit, not a toy. We engineered the trust layer first and the joy layer second.

Money held by a regulated broker

Snowball is the tech layer. Assets are segregated at the broker. If Snowball disappeared tomorrow, your child's ETFs would still be theirs, at the broker.

Full parental control

Approve or decline any snowball. Change the amount. Pause or cancel any time. Every action is logged.

Zero tracking, zero ads

We don't sell data. No ad SDKs. Kids are not the product. The subscription is the business model.

Only diversified ETFs for minors

No leverage, no derivatives, no single stocks under 18. A curated list of low-cost, globally diversified funds, reviewed by counsel.

Alex wants to start a snowball
Amount
$50 / month
ETF
The Whole World
Global stocks · ~8% avg/yr
Execution day
15th of each month
By approving, you become the custodian. You can pause, change, or cancel any time.
Approve snowball
Decline
Common questions

What parents and teens ask first.

Is this actually safe? Who holds the money? +
Snowball is a technology layer. Your money is held by a fully regulated broker partner and segregated from Snowball's operating accounts. If Snowball disappeared tomorrow, your money and your ETFs would still be yours, at the broker.
What does it cost? +
A free tier with one active snowball. Paid tiers start at a few dollars a month and unlock multiple snowballs, the full ETF catalogue and advanced gamification. A small annual fee applies to balances above a minimum threshold. No commissions on trades.
Why only 12 to 18? +
Because starting at 14 instead of 25 can mean an extra couple hundred thousand dollars by 65. The whole product is built around the compound interest moment. Adults can open accounts too, but the magic is pointed at young people with decades of runway ahead of them.
Can a teen start without a parent? +
Under 18s can install the app, play with the calculator and set up everything they want. But to actually fund and start investing, a parent or legal guardian has to approve and connect the account.
What ETFs can I pick? +
A curated list of globally diversified, low-cost ETFs. MSCI World ("The Whole World"), S&P 500 ("America's Biggest"), clean energy, global tech. No leveraged funds, no derivatives, no single stocks for under-18s.
What happens at 18? +
Your custodial account converts to a full adult account and you take complete control. Everything you've built comes with you. Your streak doesn't reset.
Where are you available? +
Launching first in the United Arab Emirates through the DIFC Innovation Testing Licence sandbox. Singapore, the EU (via Estonia passporting) and the US follow.

Roll the first snowball.

Drop your email and we'll let you know the moment you can sign up. Parents welcome.

You're on the list. We'll be in touch.