Acorns Invest Your Spare Change Automatically

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  • Acorns Invest is a micro-savings app that helps you invest your spare change from everyday purchases through Round-Ups.
  • Accounts including general investing, retirement, checking and debit card, and custodial accounts for children.
  • Best for beginners and those seeking an integrated financial app centered on investing.

Acorns Promotion: $5 signup bonus after first deposit.

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Acorns Invest account gives you an automated way to invest your spare change.

If you’re a beginner investor who might not have a lot to invest initially, then Acorns is a great option. You can set up the app and passively grow your investments through Acorns.

Acorns Overview

Acorns is an automated savings tool that merges the Robo-advisor model to help beginners build their investment portfolios with more ease and fewer hassles. The app is best known for rounding up your linked credit and debit card purchases. Then, it invests the amount into six different Exchange Traded Funds (ETFs). With Acorns Invest, you can invest as little as $5 at any time or set recurring transfers into your portfolio.

Ready to start growing your oak? Get started with Acorns.

Acorn: Round-Ups and Simplicity

Acorn shines with this simplicity and Round-up features.

  • Round-ups – save money after each purchase with your linked debit and credit card
  • Automated – set recurring daily, weekly, and monthly investments

Let the Robo-advisor do the work of investing your spare change or any recurring and one-time transfers you make.

Features & Benefits

  • Account Minimum  – $0
  • Invest Spare Change – Automatic Round-Ups of purchases to the nearest dollar.
  • Diversified Portfolios – Invested in six different exchange-traded funds (ETFs) comprising diversified investments across 7,000+ stocks, bonds, and other securities and try to mimic the performance of an index.
  • Automatic Rebalancing – Maintain your specific target allocation.
  • Found Money – Shop and earn cashback with 350+ partners.

What is Acorns?

Acorns revolutionized investing for many by helping people save their spare change through a Round-up feature. They’ve merged automated savings with a robo-advisor model making it simpler to build up your savings and have it earn more in an exchange-traded-fund (ETF).

Acorns Products

All Acorns users must start with an Invest account to access other products and services. The micro-saving features are built into its other product offerings.

  • Invest – micro-savings and investing
  • Spend – checking account with a debit card and no minimums
  • Later – tax-advantaged accounts for your retirement
  • Early – accounts for your children

Acorns Earn that helps you earn cash-back for using recommended services from partners or through the use of Acorns debit card. And Acorns Grow offering users financial articles, interviews, and reviews.


Acorns tiered service offering includes:

  • Lite: $1 a month. Includes a taxable investment account.
  • Personal: $3 a month. Adds on an individual retirement account and a checking account.
  • Family: $5 a month. Includes everything in the lower tiers, plus Acorns Early, which lets you open investment accounts for kids.

What makes Acorns different?

Acorns is a comprehensive financial app centered around investments for newbie investors. With its low monthly fee of $1, you can access tools to help you grow your money and learn from expert articles.

Acorns designed five investment portfolios to maximize your returns for your selected level of risk. There are no account minimums and on commission.

Acorns Review

Acorns is a legitimate and trusted investment app helping millions of people save and invest with little effort. For many, investing can be intimidating and prevents them from starting to build their nest egg. Acorns removes the barrier through automation tied to your spending. The Acorns app works by rounding your purchases on linked debit or credit cards then sweeps the change into your investment account.

Who is it best for?

Acorns is best for people who struggle to save money and would benefit from a hands-off approach.

How to Start an Acorns Account

Time needed: 3 minutes.

Step-by-Step to opening an account with Acorns

  1. Getting started

    Click “Get Started” to open an account

  2. Enter email and password

    Submit your personal information, set up a PIN access code, and log into your new account.

  3. Connect your accounts

    Choose your Round-up account and connect your checking account.

  4. Answer questions

    Choose your reason for investing that helps the algorithms recommend your portfolios.


Additional information

Investing Type

Automated Investing

Key Features

Automatic Deposits

Minimum Deposit


Investment Portfolio

Modern Portfolio Theory (MPT)

Investments Available



Tiered Pricing Plan: Monthly Fee

Upgraded Service

Premium Option Available

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1 Review For This Product

  1. 01

    by Jason Vitug

    Acorns Review: Is Acorns Right for You?

    I’ve used Acorns for years now and continue to use the app to automatically save and invest money from each purchase. As I’ve grown to know more about investing, I do use other apps that fit more of my investment needs.

    In this brief Acorns review, I really want you to understand if this app is right for you. Acorns is a comprehensive financial app offering spare-change savings, a checking account, retirement plans, and cash-back rewards through the micro-investing feature.

    Acorns is a powerful service used by over 7 million people. Hopefully, in this Acorns review, you’ve learned how their friendly interface and investing portfolio take away the barriers for newbie investors and those who seek a simpler approach.

    Pros and Cons

    ✓ Simple automatic investing of spare change.
    ✓ Start investing with zero minimum.
    ✓ Easy cashback at select retailers.
    ✓ Helpful articles and tools.

    ☓ Small portfolio choices.

    With Acorns, the monthly fee isn’t a deal-breaker but for small accounts, it’s quite high. You can use Acorns to help you save each time you spend but you can also set up automatic schedule deposits into your account. Keep in mind small amounts won’t help you reach your investment goals, but if Acorns can help you get started it’s the right app.

    If you have a larger portfolio, you can benefit from a better option such as Betterment with a more comprehensive suite of investing tools and planning services. Discover other investing app alternatives in the financial marketplace for the best investing app for you.

    You can use Acorns products separately but to fully take advantage of the service, it’s best to use the products to maximize your savings and investing.

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