She’s a million-dollar baby.

Pretty and sophisticated self-made mini-mogul Fatima Ptacek isn’t allowed to know how much money she banks — even though she’s built a hefty nest egg at the ripe old age of 9.

The daughter of a retired New York City detective and a former accountant who live in Queens, Fatima is one of the city’s hottest, highest-paid child models, raking in almost a quarter of a million dollars a year since she was 5.

Discovered in 2006 at an open call by the Wilhelmina modeling agency, Fatima has performed in more than 50 commercials and appeared on the covers of national magazines and in advertising campaigns for Ralph Lauren, Benetton and the Gap. Four commercials starring Fatima are currently on television: McDonald’s, Pillsbury Toaster Strudels, Bisquick and McCormick.

She has walked the runway at Bryant Park — “I loved the intensity” — and starred on “Sesame Street” opposite First Lady Michelle Obama — “she was very down to earth and very sweet.”

The brown-eyed brunette has appeared in two “fake commercials” for “Saturday Night Live” and is set to appear in the movie “The Rebound,” starring Catherine Zeta-Jones, and as a lead in “The Miracle of Spanish Harlem,” out in November.

The fourth-grader is also a competitive gymnast, ranked 13th in New York state, reads at the 10th-grade level, speaks fluent Spanish and studies Mandarin. In her free time, she enjoys horseback riding, charity work, playing on the school chess team and traveling — she’s shot ad campaigns in Iceland and Paris.

But her long-term plans include an Ivy League education.

“My dad said I’m allowed to go to Harvard, Yale or Columbia,” she said. “Barack Obama studied at Harvard, and I really like him. I want to be a lawyer. I was thinking of maybe going to the Olympics, but you know what? That’s a once-in-a-lifetime thing. I want to be in the court and fight for people saying, ‘My client is innocent!’ ” she laughed.

Fatima, whose father is from Queens and whose mother is from Ecuador, has the sought-after interracial look that is heating up the fashion world.

“She can cross over,” said her manager, Teri Bostaji. “She’s ethnically ambiguous and Caucasian and very beautiful. But it’s her personality that makes her stand out.”

Her parents are adamant about never using Fatima as a piggy bank. “People always say to me, ‘Well, you’ve got college paid,’ ” said her father, Jack Ptacek. “I say no way. That’s her money.”

Fatima is up every day at 6 a.m., preparing for school at PS 150Q, where she is in the Academy for Intellectually Gifted Children. At least twice a week, she cuts out of class early with her mom to ham it up at auditions and casting calls in Manhattan. She finishes her homework in the car on the way back to Flushing — for a three-hour workout at a Russian gym, Lana’s Gymnastics Club, three or four nights a week. Fatima finally hits the hay at around 10 p.m. Weekends are eaten up by horseback riding and five hours of Mandarin class on Saturdays — a language she begged her parents to study.

For her shell-shocked parents, Fatima’s rising profile is surreal. Her mom, Lucia, took Fatima to her first casting call on a whim and never expected their daughter to get this big.

“We knew she was gifted,” Jack said, “but we never thought this would happen.”