# Gradually.io

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.

_Summary and profile written by IndieAppCircle from 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.

## Facts
- Category: Finance
- Platforms: Web
- Built for: general
- Listed since: September 2026
- Approved tests: 3 (3 total)
- Link: https://gradually.io/

## 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

## Use cases
- 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

## FAQ
### 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. 3 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.

### 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?
Yes. The maker pays 10 credits for each approved test on IndieAppCircle.

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Full page: https://www.indieappcircle.com/apps/j57dddfcfxh2bmkavd9tftqh0n8f13ef