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Review

Acorns

Round-ups and spare-change investing

Acorns rounds up your purchases and invests the spare change. It's the easiest on-ramp we list, though the flat monthly fee means it's best once your balance grows past a few thousand dollars.

Annual fee

$3–$6/mo

Minimum

$0

Best for

Spare-change investing from everyday purchases

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Fees

$3–$6/mo

Flat monthly subscription ($3–$6/mo depending on tier) rather than a percentage of assets. On small balances this works out to a high effective percentage — on large balances it's cheap.

Returns report

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Returns in the report are comparable estimates from each advisor's published performance, shown net of advisory fees so you can compare them. They are for comparison — not a forecast, and they will not match any one account. Past performance does not guarantee future results. This is educational, not personalized advice.

Pros

  • $0 minimum and round-ups make starting effortless
  • Great habit-building for first-time investors
  • Simple, friendly app

Cons

  • Flat monthly fee is expensive in percentage terms on small balances
  • No tax-loss harvesting
  • Limited portfolio options

Acorns FAQ

Acorns charges $3–$6/mo. Fund expense ratios on the underlying ETFs apply on top, typically 0.05–0.20%.

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We email comparable estimates of each advisor's published performance, net of advisory fees. Use a real inbox — a typo means the report never arrives.

Returns in the report are comparable estimates from each advisor's published performance, shown net of advisory fees so you can compare them. They are for comparison — not a forecast, and they will not match any one account. Past performance does not guarantee future results. This is educational, not personalized advice.