Gradually.io
Gradually helps track and plan for college costs by aggregating account balances across 529 accounts and beneficiaries, running scenarios and projections, and helping you stay on track with your savings plan.
Gradually is a free college savings tracker, currently in beta, for parents and grandparents that totals 529 and other account balances across children and shows whether projected savings cover estimated college costs.
Key features
- Cost estimates from school type, years of attendance and inflation
- Monthly contribution scenarios showing how projected coverage changes
- Household dashboard with the balance history of each beneficiary
- Stocks, bonds and cash mix compared with a glidepath toward college
- Automatic balance updates for supported 529 plans through a read-only login
- Manual entry of dated balances for any other account
Gradually.io is useful for
- A parent replacing spreadsheets and separate provider sites with one view of college savings
- Grandparents checking whether their contributions are on track
- Testing what a higher monthly contribution would do to projected coverage
Written by IndieAppCircle from gradually.io. The maker can edit it.
Submitted by Bethany
Reward: 10 credits per test
8 approved tests, 8 total
Gradually.io is not accepting new tests right now: the maker's credits no longer cover the reward. The 8 approved reviews stay on record here.
Platforms: web
Built for: general
About Gradually.io
Which 529 plans does Gradually connect to?
Invest529 (Virginia) and T. Rowe Price 529 (Alaska) are listed for automatic updates, and other plans can be requested. Any other 529, brokerage or savings account can be added by entering dated balances.
Can Gradually move money or see my main password?
The site says it never asks for your main account password and cannot move money. Provider connections use a read-only login saved on your device. Gradually is independent and not affiliated with the 529 providers it lists.
Can I try Gradually without signing up?
Yes, there is a demo mode that needs no email address. Full use requires signing in through the Get started link.
What happens to my data in Gradually?
The site says there are no ads or third-party trackers, data is not sold, and you can delete your account at any time.
Is Gradually.io legit?
Gradually.io was listed on IndieAppCircle in September 2026 by Bethany, who opened it to independent testers. 8 independent testers have used it since and had their feedback accepted by the maker. It is distributed through its own website at gradually.io. IndieAppCircle is a peer feedback exchange, not a paid-review site: testers earn credits only for feedback the maker accepts, and nobody is paid to be positive. We record what happened here; we do not vouch for a product's business practices.
What platforms does Gradually.io run on?
Gradually.io runs on Web. The maker built it for a general audience.
Is Gradually.io still looking for testers?
Not right now. The listing is closed to new tests because the maker's credit balance no longer covers the 10-credit reward. The 8 approved reviews stay here as a record. It reopens on its own once the maker tops up — if that is you, sign in and check your dashboard.
How do testers review Gradually.io on IndieAppCircle?
Testers are other indie developers. They open Gradually.io, follow the maker's test instructions, and write up first impressions, confusing moments and bugs. The maker reads each write-up and either approves it — which pays the tester — or rejects it. Only approved feedback is counted on this page. There are no star ratings and IndieAppCircle pays nobody to review anything; it is a feedback exchange, not a review site.
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