Wealthfront: Save and Invest

Wealthfront

About this app

CASH ACCOUNT: EARN UP TO 4.20% Annual Percentage Yield (APY)
Earn a 3.30% base APY from program banks—and even higher. Pay zero account fees, get free instant withdrawals to eligible accounts, and access over 19,000 free ATMs. New clients get a 0.65% APY boost for three months. Stack your boost with a long-term 0.25% increase when you direct deposit $1,000 a month and fund an investing account. Terms and conditions apply. Learn more at wealthfront.com/cash.

AUTOMATED INVESTING ACCOUNT: EXPERT-BUILT ETF PORTFOLIOS
Hands-off investing made easy. We’ll recommend a globally-diversified portfolio of index funds that’s personalized for you. We automatically handle the trades, reinvest your dividends, and help lower your taxes through tax-loss harvesting.

INVEST IN STOCKS WITH ZERO COMMISSIONS
Invest directly in the stocks and ETFs that you believe in. Get started for as little as $1.

UPGRADE YOUR S&P 500® INVESTING
Invest directly in stocks of the S&P 500® and we’ll manage everything for you. We handle all the trades and take advantage of dips in the market to look for opportunities to lower your tax bill.

BUILD YOUR WEALTH IN ONE PLACE
Get a big-picture view of your finances and make sure you’re on track now and into retirement. Say goodbye to multiple apps and forgotten passwords, and take the guesswork out of building wealth.

The information contained in this communication is for general informational purposes only should not be construed as tax advice, an offer, recommendation, or solicitation to open an account or to buy or sell any security. Wealthfront does not provide tax advice. Consult a tax professional.

The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable base APY.

How to earn 4.20% APY for a limited time: New clients are eligible to receive a one-time 0.65% APY increase for 3 months on up to $150,000 in their Cash Account. In addition, the Direct Deposit Plus Investing Program (“DDI Program”) from Wealthfront Advisers LLC and Wealthfront Brokerage LLC collectively, “Wealthfront” provides eligible clients a 0.25% APY increase that can apply to the full Cash Account balance if you direct deposit $1,000 per month into the Cash Account plus fund and maintain an investing account. Wealthfront may change or end the program at any time and determines eligibility at its discretion. See full Terms and Conditions for both promotions at wealthfront.com/promo-terms.

Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

Diversification and automated investing do not guarantee profits or prevent losses. Results vary by strategy and time horizon. Index funds and ETFs provide broad diversification but can still carry market, sector, or asset-class risks. See Full Disclosure at wealthfront.com/legal/disclosure for more info.

See the final slide image for additional important disclosures about the S&P 500 Direct, tax-loss harvesting, and more.

Ratings and reviews

So far, liking it a lot. However, it would be nice to see pending transfers and transactions in activity. It is hard to pay bills when I don't know what my actual balance is since it takes days to adjust the balance after transferring into the account or spending money with the card or account number.

The Wealthfront app is great except for downloading transactions on an android onto a spreadsheet. That makes it unusable for maintaining my budgets (thankfully that functions well on a computer, just not on the phone yet) but as far as daily/weekly/monthly transfers, recurring transfers, checking balances, understanding financial position, etc, this app is really great! Very visually clear, appealing, easy to use, gives a lot of ability for a banking app. Thanks WF for continuing to improve!

Great service, exceptionally low fees, basic dashboard to keep all accounts together. Terrible UI for modern features. It's got categories, great, but not a way to lock them, or to sort them like a playlist, it just goes by amounts. And what's worse is users cannot directly deposit money into categories which becomes a nightmare when using it as a debit card.

What’s new

We release the Wealthfront app every week with the latest product launches, quality improvements, bug fixes and other updates. Be sure to keep your app up to date for the best experience!