10 Best Robo Advisors of 2026

Wealthfront is the strongest pick for someone who wants to set up an account once and leave it alone. You answer a few questions, Wealthfront builds a globally diversified portfolio of low-cost index funds, and its software rebalances, reinvests dividends and looks for tax-loss harvesting opportunities without any input from you. The advisory fee is a flat 0.25% a year, which Wealthfront illustrates as about $3.18 a month on a $15,000 balance. Unlike most robo advisors, it lets you change allocation weights and add, remove or swap ETFs, and it keeps managing and harvesting losses on the funds you choose. The trade-offs are a $500 minimum and no option to pay for a human advisor, so people who want planning calls should look at Betterment Premium or Fidelity Go. ETF expense ratios are paid on top of the fee, as with every service here. For a low-cost, fully automated portfolio with real tax features, it is the one to beat.

Betterment is the best choice if you want to start with any amount and keep the option of talking to an advisor later. There is no minimum balance, and its portfolios are globally diversified ETF mixes that it trades, rebalances and reinvests for you, with tax-loss harvesting for taxable accounts. Pricing has two levels for the digital service: $5 a month by default, switching to 0.25% a year once you set up recurring deposits of $200 or more a month or reach $24,000 across your investing accounts. That means a small account with no regular deposits pays more than it would at Wealthfront or Fidelity Go. Premium adds access to financial experts for 0.65% a year but needs $100,000 in eligible investments, and balances above $1 million get automatic fee discounts. Watch the $75 charge for each account transferred out to another firm. For steady monthly savers it is close to the top pick.

Fidelity Go is the cheapest way to get a managed portfolio while your balance is small. There is no minimum to open, Fidelity starts investing once you have $10 in the account, and it charges no advisory fee at all while your balance is under $25,000. You answer questions about your goal, timeline and comfort with risk, and Fidelity proposes a strategy built from mutual funds, then watches it and makes trades to keep it on track. Smart Shift can adjust the mix for you as things change. Once you reach $25,000 the fee becomes 0.35% a year, and that unlocks unlimited 1-on-1 coaching calls and tax-loss harvesting in taxable accounts. There are no trading or rebalancing fees. The catch is that 0.35% is higher than the 0.25% at Wealthfront and Betterment for larger accounts, and you cannot pick your own ETFs. It suits beginners, IRA and HSA savers who value a big firm.

Vanguard Digital Advisor is the pick for investors who want index funds at the lowest ongoing percentage fee among the paid services here. It charges a gross advisory fee of 0.20% a year for an index portfolio, or 0.25% for an active one, and that fee is reduced by a credit for revenue Vanguard earns on your funds. Vanguard puts the all-in cost at about $15 to $16 a year for every $10,000 in an all-index portfolio, and it waives the advisory fee for the first 90 days. You need $100 per brokerage account to enroll. Beyond the portfolio, you get a goal optimizer, debt calculator, emergency fund tool and tax-loss harvesting at no extra cost, and eligible 401(k) accounts can be managed too. The setup is stricter than rivals: a taxable account has to sit fully in its settlement fund before enrolling, so you may have to sell existing holdings and owe tax. For new money, it is excellent value.

Schwab Intelligent Portfolios charges no advisory fee and no commissions, which makes it the cheapest service here on paper for balances of $5,000 or more. After a short questionnaire about goals, risk tolerance and timeline, Schwab assigns one of more than 80 portfolio variations built from about 50 ETFs that span roughly 20 asset classes, then monitors it daily and rebalances as needed. Live support from US-based staff is available 24/7 by phone and chat. The cost is indirect: each portfolio holds a cash allocation in deposit accounts at Charles Schwab Bank, and Schwab states that the bank earns income on that cash, earning more the larger the allocation. That cash can lag the market in strong years. Tax-loss harvesting is available only with $50,000 or more invested, and you must turn it on. If you have $5,000 and value round-the-clock help, it is a good fit; if you want every dollar invested, Wealthfront or Vanguard fit better.

SoFi Robo Investing is the automated side of SoFi's investing app, offered through SoFi Wealth. You answer questions about your goals and risk tolerance and get a diversified portfolio that SoFi manages for you, with a $50 minimum to start. Automated Traditional and Roth IRAs are available, and every member can book an introductory 30-minute session with a SoFi Financial Planner, while unlimited sessions come with a SoFi Plus upgrade. The main appeal is convenience: if you already bank with SoFi or use its Active Investing account for individual stocks, the managed portfolio sits in the same app. We could not load SoFi's robo fee page from our location, so the advisory fee is marked pending here and you should confirm it on SoFi's US site before you open an account. SoFi also publishes fewer details about portfolio construction and tax features than Wealthfront or Betterment do, which keeps it out of the top tier.

Ally Invest Robo Portfolios stands out for giving you a real choice about cash. With a $100 minimum, you pick a market-focused portfolio that invests about 98% of your money for a 0.30% annual advisory fee, which Ally explains as $3 for every $1,000 invested, or a cash-enhanced portfolio that keeps 30% in an interest-earning cash buffer and charges no advisory fee. Within each, you can choose core, income, tax-optimized or socially responsible styles, and Ally reviews the portfolio daily and rebalances automatically. That flexibility suits people who want to dip a toe in the market without moving all their savings. The trade-offs are cost and growth: 0.30% is a little higher than Wealthfront or Betterment, the fee-free version holds a large slice in cash, and the product page does not describe tax-loss harvesting. It is a sensible pick for existing Ally bank customers who want everything in one login.

E*TRADE Core Portfolios is the automated option inside E*TRADE from Morgan Stanley. You tell it your goals and risk tolerance, its team picks a diversified mix of investments, and its technology monitors the portfolio and updates it automatically to keep you on track. You can add socially responsible investments and use tax-loss harvesting to lower your tax bill, and progress shows online and in monthly reports. The annual advisory fee is 0.30%, which E*TRADE illustrates as $1.50 a year on the $500 minimum, and the fee does not cover the expense ratios of the funds you hold. That puts it a step behind Wealthfront and Betterment at 0.25% and Vanguard at 0.20% for index portfolios. Where it makes sense is convenience: if you already trade or bank at E*TRADE, a managed portfolio sits next to your other accounts, and you can move up to Morgan Stanley advisors later if your needs grow.

M1 sits between a robo advisor and a brokerage. Instead of assigning you a portfolio, it lets you build a Pie, a set of stocks and ETFs with target percentages, and then automates the rest. Auto-invest, on by default, sends each deposit into the Pie, buying underweight slices first so the portfolio drifts back toward your targets without selling anything. You can also rebalance with one click, set a recurring deposit schedule, and ask M1 Advisor, an AI financial advisor included for M1 clients, for guidance based on your accounts. M1 charges no commissions or management fees, only a $3 monthly platform fee that is waived once you hold more than $10,000. M1 reports more than 400,000 clients and over $14 billion in client assets as of September 2026. The catch for this list is that you make the investment choices yourself, and M1 does not describe tax-loss harvesting. Pick it if you want control of the mix with automated upkeep.

Acorns is less about low fees and more about getting started. It turns everyday spending into investing through Round-Ups, which invest the spare change from purchases, and places that money into an expert-built, diversified portfolio picked for your goals. Pricing is a flat subscription: Bronze at $4 a month covers the investment account, Round-Ups and the Acorns Later retirement account; Silver at $8 adds Emergency Savings and a 1% IRA match on new contributions in the first year; Gold at $12 raises the match to 3% and adds Custom Portfolios and Acorns Early Invest for kids. Acorns says customers have invested over $7.3 billion in spare change. For hands-off investors with larger balances, the economics are weak: $48 a year on Bronze is a big share of a $2,000 account, and the portfolio and tax features are thinner than at Wealthfront or Betterment. It earns its place for people who would not invest otherwise.