Acorns review

Acorns is less a classic robo advisor than an app that automates the habit of investing. Every tier includes an expert-built, diversified portfolio and Round-Ups, which invest the spare change from purchases, and Acorns says customers have invested over $7.3 billion in spare change alone. Pricing is a flat subscription: Bronze at $4 a month, Silver at $8 and Gold at $12. Silver adds a 1% IRA match on new contributions in your first year, Gold raises that to 3% and adds Acorns Early Invest accounts for kids. A checking account with Real-Time Round-Ups and no overdraft fees is part of the bundle. The flat fee is the weakness: $48 a year on a $1,000 balance is 4.8%, far above the 0.25% charged by Betterment or Wealthfront, and it only becomes competitive once the balance is large. Acorns fits people who would otherwise not invest at all, not cost-focused savers.

Who it is for

People who want to invest spare change automatically

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 12, 2026.

Key features

• Round-Ups invest spare change from everyday purchases
• Expert-built, diversified portfolio in every tier
• Acorns Later retirement account, with a 1% IRA match on Silver and 3% on Gold in the first year
• Acorns Early Invest accounts for kids on Gold
• Checking account with Real-Time Round-Ups and no overdraft fees

Strengths and weaknesses

• Strength: Round-Ups turn purchases into deposits without manual transfers
• Strength: Gold adds a 3% IRA match on new contributions in the first year
• Strength: Flat monthly price covers investing, retirement and banking tools
• Weakness: $4 a month is 4.8% a year on a $1,000 balance
• Weakness: Kids accounts are limited to the $12 Gold plan
• Weakness: The pricing page does not state a minimum to start

Key facts

• Price: $4, $8 or $12 per month
• Round-Ups: All tiers
• IRA match: 1% Silver, 3% Gold, first year
• Customers: Over 16 million all-time as of 8/26/2026

Where it ranks

Acorns is No. 8 in our Best Robo Advisors verdict.