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Who Pays Taxes on a Custodial Account? 2026 Kiddie Tax Rules

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Who Pays Taxes on a Custodial Account? 2026 Kiddie Tax Rules

Who pays taxes on a custodial account? The child does, but the kiddie tax can shift that burden to the parent's rate. Full 2026 thresholds, worked example

Katie Bailey

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Editorial team

Read like a loan officer: dated numbers, primary documents, no marketing math

We build every guide from the papers a borrower rarely reads in full — lender rate sheets and terms of service, IRS digital-asset guidance, SEC and CFPB publications, and bankruptcy filings from platforms that froze withdrawals. Nothing is paraphrased from a homepage.

Each rate, LTV threshold and liquidation trigger we publish carries the date we recorded it and the document it came from; when a lender changes terms, we change the guide.

Katie BaileyKatie Bailey Tax Specialist · 14 published guides Sean MitchellSean Mitchell Credit Analyst · 1 published guide
Editorial team Read our editorial method → About us
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Primary documents first
Figures trace back to lender terms of service, IRS notices on digital assets, and SEC or CFPB filings — never to a marketing page.
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Dated, then revisited
Every number is stamped with the date we verified it, because a bitcoin loan's rate and margin-call price can move within a single week.
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Not FDIC or SIPC insured
Crypto-backed loans carry no FDIC or SIPC protection; if a lender fails or your collateral is liquidated, no federal insurance makes you whole, and we say so on every guide.