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 14,000,000 Americans have invested over $30,000,000,000 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:
- EASY, AUTOMATED INVESTING
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 3.35% 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 ($3/mo)
Investing tools to get you started on your financial journey
Round-Ups® feature
Expert-built diversified portfolio
Retirement account
Checking account

Silver ($6/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

It's a decent app for what you get. The gold plan offers very little compared to Robinhood (and it's more expensive), so if I had to do it over, Id choose them. very little stock and etf options all things considered. other apps just blow it out of the water with choices and control. the customer service takes forever and calls are, of course, outsourced to people who have hardly any control over what happens. rarely, are complicated issues resolved. good for set it and forget it invest

The round ups are really inconsistent. I linked my account and activated round ups and the weekly investment but the only consistent debit was the investment. When I checked on the app it showed it hadn't updated activity in 5 months. I keep having to unlink and relink my account for the round ups to activate. If this continues I'll just go back to a normal savings since this isn't really worth it otherwise. It's supposed to be an automatic thing I shouldn't have to constantly check.

They have promotions where you can invite friends and earn a changing amount of money. I got three friends to sign up using my link with no problems. When the fourth friend signed up by clicking my link, despite being able to see that she was a new user who used my link, they claimed there was an issue connecting our accounts. I never received the promised promotion and I no longer trust this app. Other than the lying about their promotions, the app seems to function as advertised.

What’s new

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