Acorns review

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.

Who it is for

New savers who find it easiest to invest small amounts automatically through Round-Ups.

Price

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

Acorns Bronze $4/mo.
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Expert-built, diversified portfolio picked from your goals
• Round-Ups that invest spare change from purchases
• Acorns Later retirement account
• IRA match on new contributions in the first year: 1% on Silver, 3% on Gold
• Custom Portfolios and Acorns Early Invest for kids on Gold

Strengths and weaknesses

• Strength: Very easy way to start investing small amounts
• Strength: One flat monthly fee, no transaction fees
• Strength: Checking, savings and kids accounts in higher tiers
• Weakness: $4 a month is a high share of a small balance
• Weakness: Best features need the $12 Gold plan
• Weakness: Fewer portfolio and tax features than dedicated robo advisors

Key facts

• Plans: Bronze $4, Silver $8, Gold $12 per month
• Round-Ups: Yes, all plans
• Retirement: Acorns Later IRA
• IRA match: 1% Silver, 3% Gold, first year
• Spare change invested: $7.3B+ by customers

Where it ranks

Acorns is No. 10 in our Best Robo Advisors verdict.