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 is for everybody. It has nothing to do with how much you make — it’s about finding balance with what you have. 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 $27,000,000,000 with Acorns. You can get started in under 5 minutes, with as little as your spare change.

SECURE: 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 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. Plus, we’ll match your investments by 1% — 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 with Acorns Checking.

AND MORE:

- 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 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 learn all things money.

SUBSCRIPTION PLANS

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)
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Investing tools to get you started on your financial journey.

- Round-Ups® feature
- Expert-built diversified portfolio
- Retirement account
- Checking account, and more

Silver ($6/mo)
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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)
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Full suite of saving, investing, and learning tools for you and your family.

- 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 for your kids with a 1% match
- 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
- Complimentary tax filing, will, and more
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Disclosures are available in the images 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.

Account was randomly locked for no reason; turns out, you can't use PayPal as a source & they don't inform you of that upfront. Had only invested $10 so far, & after my account was unlocked (after about 1-2 weeks), found out I was charged $5 for "debt collection" (with no additional information provided on that). I had been avoiding using this app before & decided to try it on a whim, but won't be back. Best advice? Open a savings account instead & set up $5 auto transfers.

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!