Acorns review

Acorns takes most decisions away from the investor, which is the point. Sign up, answer a few questions and Acorns recommends an expert-built, diversified portfolio, then Round-Ups invest the spare change from each card purchase, so a $2.50 purchase sends $0.50 into your account. Acorns says customers have invested over $7.3 billion in spare change. Plans are a flat monthly fee: Bronze at $4 covers the investment account and the Acorns Later retirement account, Silver at $8 adds a 1% IRA match on new contributions in the first year, and Gold at $12 raises that match to 3% and adds Acorns Early Invest for kids and Custom Portfolios with individual stocks and ETFs. Checking with Real-Time Round-Ups, paycheck splitting and access to 55,000+ fee-free ATMs is included. The flat fee is the weak spot: $48 or more a year is a large share of a small balance, and you cannot trade freely as at a broker.

Who it is for

Beginners who want to invest small amounts automatically without picking stocks.

Price

Bronze $4 per month, Silver $8 per month, Gold $12 per month.

Acorns Bronze $4/mo.
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Round-Ups invest spare change from everyday purchases
• Expert-built, diversified portfolios recommended for your goals
• Acorns Later retirement account, with a 1% IRA match on Silver and 3% on Gold in the first year
• Acorns Early Invest for kids and Custom Portfolios with individual stocks and ETFs on Gold
• Checking with Real-Time Round-Ups and 55,000+ fee-free ATMs

Strengths and weaknesses

• Strength: Easiest way on this list to start investing small amounts
• Strength: No stock picking required
• Strength: Bundles banking, retirement and kids accounts
• Weakness: Flat monthly fee is costly on small balances
• Weakness: No free plan
• Weakness: IRA match and kids accounts need Silver or Gold

Key facts

• Plans: $4, $8 and $12 per month
• IRA match: 1% on Silver, 3% on Gold in year one
• Spare change invested: Over $7.3 billion, per Acorns

Where it ranks

Acorns is No. 9 in our Best Investing Apps verdict.