Acorns helps you save and invest

Reviewed by: Financial Editorial Team
Last Updated: May 4, 2026

Invest spare change, invest while you bank, earn bonus investments, and more. Join 14,000,000 all-time customers building their future.

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Show Your Potential

Your money, your future

Your money’s got potential, and we’ll help you see it. See how your money can grow with long-term investing and compounding.

Initial Deposit
$100
Contributions
$20
Weekly
Years to Invest
20 years
Calculate my estimate
Potential Future Balance:
$49,901
● Investment
● Return

Illustration of the power of compounding based on initial deposit, contribution schedule, time horizon, and rate of return specified. Does not include Acorns’ monthly subscription fees. Results do not predict or represent the performance of any Acorns portfolio.

A better way to invest

Invest
Later
Banking
Kids

Acorns Invest

Automatically invest in an expert-built, diversified portfolio, designed to make long-term growth simple. You can even start investing with just your spare change!

Learn more
Invest
$27,953
↑ $2,236.24 (8.00%) All time


Round-Ups Settings
Automatic
Recurring
$5 / Daily

Acorns Later

Planning for retirement? We make it easy to save for your future with an IRA that’s right for you. Get tax advantages and automated growth over time.

Start planning
Later
$15,420
Roth IRA
Projected Age 65
$845,000

Acorns Checking

A checking account that invests for you. Save and invest automatically with every swipe using the Mighty Oak Visa debit card.

Bank smarter
Checking
$2,450
**** 4291
Mighty Oak

Acorns Early

Saving for your kids? Set up an investment account for the kids in your life and give them a head start on their financial journey.

Invest for kids
👶

Early Account

$5,240

Easy and automatic saving and investing

No confusing charts or investing tools. Just choose an amount, set a schedule, and we’ll automatically save and invest your money for you. You can even get started with just your spare change!

Invest wisely, not wildly

It takes more than money to grow — money skills matter, too. That’s why Acorns combines expert-built, diversified ETF investment portfolios with educational tools to help you with your long-term goals.

🔒

Security as strong as oak

From day one, we safeguard your money and investments with SIPC protection up to $500,000 and industry-standard security. No hidden fees, real-time alerts, and 24/7 support.

Who is Acorns best for?

Ideal for…

• ✅ Beginners who want to “set it and forget it”
• ✅ Hands-off investors needing automatic portfolio management
• ✅ People struggling to save who want to leverage their spare change
• ✅ Parents wanting to start a custodial account for their kids

Not the best fit if…

• ❌ You want to pick individual stocks or cryptocurrencies
• ❌ You have a very small balance (the flat fee can eat into small returns)
• ❌ You are an active day trader or advanced investor

Ready to start your automated investing journey?

Join 14 million+ users who are building their wealth in the background with everyday purchases.

Visit Acorns Official Site

Why millions choose Acorns

The Benefits

• ✓ Painless “Round-Ups” invest your spare change
• ✓ Expert-built ETF portfolios
• ✓ All-in-one: Invest, Retirement, Checking, Kids
• ✓ Earn bonus investments while shopping
• ✓ Simple, beautiful app design

Things to Consider

• × Flat monthly fee (can be high for small balances)
• × No individual stock picking (ETF only)
• × Best for beginners, not advanced day traders

No hidden fees. No commissions.

Choose the subscription tier that fits your life and financial goals.

Personal
$3
per month

• ✓ Acorns Invest (Spare change)
• ✓ Acorns Later (Retirement IRA)
• ✓ Acorns Checking
• ✓ Bonus Investments

Sign up

For Families
Premium
$9
per month

• ✓ Everything in Personal
• ✓ Acorns Early (Kids accounts)
• ✓ Custom Portfolios
• ✓ Premium educational content

Sign up

Show Your Potential

Show your potential

“I never thought I could afford to invest until I found Acorns.”

Taryn Thompson, Acorns Customer
Show your potential

“I felt way behind and I wasn’t sure where to start. But Acorns gave me an easy way in.”

Marissa LeBarron, Acorns Customer

How Acorns compares

Frequently Asked Questions

Is Acorns safe to use?

Yes. Acorns uses bank-level security, 256-bit encryption, and your investments are SIPC-protected up to $500,000 against brokerage failure.

Can I withdraw my money at any time?

Yes, you can withdraw your funds from Acorns at any time without facing withdrawal fees. However, it may take 3-6 business days to process and transfer the funds back to your linked bank account.

How exactly do “Round-Ups” work?

When you link your daily credit or debit card, Acorns automatically rounds up your purchases to the nearest dollar and invests the spare change. For example, if you buy a coffee for $3.50, Acorns will pull $0.50 from your linked funding source and invest it.

Grow your oak!

Join millions of people saving and investing for their future.

Sign up today