Acorns: Save & Invest Money

Acorns

About this app

Acorns helps you save, invest, and grow for your future. Our automated saving, investing, and spending tools help you grow your money and financial wellness.

At Acorns, we believe that financial wellness and finance education are for everybody. It has nothing to do with how much you make — it’s about finding balance with what you have through better financial decisions. Financial wellness is when you are spending smarter today, saving for tomorrow, and investing for your future all at once.
More than 16,000,000 Americans have invested over $33,000,000,000 with Acorns.

Acorns is committed to your security with 2-factor authentication, fraud protection, 256-bit data encryption, and all-digital card lock. Acorns Investment accounts are SIPC-protected up to $500,000, and Acorns checking accounts are FDIC-insured up to $250,000.

INVEST:
- INVEST SPARE CHANGE
Your money is automatically invested into our expert-built, diversified ETF portfolios. You can Invest Spare Change® each time you make a purchase with the Round-Ups® feature or set up automated recurring investments starting as low as $5.
- INVEST IN BITS OF BITCOIN
Ride Bitcoin’s highs and ride out its lows by allocating up to 5% of your diversified portfolio towards a Bitcoin-linked ETF.
- PERSONALIZE YOUR PORTFOLIO
Add individual stocks and ETFs from the largest 100+ public US companies to your Custom Portfolio.
- INVEST FOR RETIREMENT
Save for retirement with an Acorns Later account and strengthen your future finance plans. Get a 3% IRA match on new contributions during your first year with Acorns Gold.
- INVEST FOR YOUR KIDS
Start building your kids’ futures with Acorns Early Invest, a dedicated investment account for your kids. We’ll match your investments by 1% on up to $7,000 per year — exclusively on Acorns Gold!

SAVE:
- EMERGENCY SAVINGS
Build savings for life’s unexpected hiccups, including a 3.59% APY to help your money grow.
- CHECKING
Invest Spare Change® when you spend, and automatically invest a piece of each paycheck to support your daily finance habits with Acorns Checking.

- MONEY MANAGER
Put your money on autopilot with Money Manager, which smartly splits your money across investing, saving, and spending.
- KIDS & TEEN DEBIT CARD
Teach your kids smart finance habits and financial wellness with an Acorns Early debit card, included in Acorns Gold.
- EARN BONUS INVESTMENTS
Shop 10,000+ brands and earn bonus investments and exclusive deals. Plus, earn limited-time referral bonuses of up to $1,200.
- GROW YOUR MONEY KNOWLEDGE
Access custom articles, videos, courses, and live Q&As to improve your finance knowledge and learn all things money.

SUBSCRIPTION
Whether you’re new to investing or planning for your family’s future, we bundle our money tools into subscription plans. No hidden costs or transaction fees — just one, transparent monthly payment to start growing your oak.

Bronze ($4/mo)
Investing tools to get you started on your financial journey
Round-Ups® feature
Expert-built diversified portfolio
Retirement account
Checking account

Silver ($8/mo)
Level up your saving and investing skills
Everything in Bronze
1% IRA match on new contributions to your Acorns Later retirement account during your first year with Acorns Silver
Emergency Savings
Courses and videos to help you grow your money knowledge
Live Q&As with investing experts

Gold ($12/mo)
Full suite of saving, investing, and learning tools
Everything in Silver
Smartly split your money across investing, saving and spending with Money Manager
3% IRA match on new contributions to your Acorns Later retirement account during your first year with Acorns Gold
Investment accounts with a 1% match on up to $7,000 in contributions per year
Acorns Early smart money app and debit card for kids
Ability to add individual stocks and ETFs to your portfolio
$10,000 life insurance policy
Free tax filing, wills & more
See disclosures above and at www.acorns.com/disclosures
5300 California Ave Irvine CA 92617

Ratings and reviews

I liked this app til I tried to get my money out. 3 months and I still don't have it. I have emailed them several times and they just keep sending automated emails back. Update. They finally did get back to me. And resolved the issue. I received my money. Thank you acorns for that. I added a couple stars. Would add more but the only way to communicate is through email and you use a lot of auto send type to deal with issues.

Pulls change for each purchase. You can set up recurring monthly payments to grow it faster. Except.. the money it pulls doesn't come out immediately. It waits until its added up to $6-7 and then pulls it at once. 3-4 days after it checks your balance. So it has NO way of guaranteeing that your account won't be overdrafted (despite what they say). I got THREE overdraft charges ($29 each). Ended up paying just as much in fees as acorns was saving. Completely defeats the purpose.

All it does is lose money. I initially added some, added a few round ups, and set a recurring payment for every month. It hasn't made me a dime. It just keeps losing. Update: since their generic and completely unhelpful reply, I'll share more results. It lost even more money (still) . I'm so glad I stopped recurring payments with you guys. I'm spreading the word about this app for sure. Maybe you guys will make it easier to close your account in the future instead of keeping people pissed.

What’s new

We made some small changes so it’s even easier to help your money grow, because we believe small changes adds up. Grow your oak!