About
Acorns automates saving and investing by rounding up your everyday purchases to the nearest dollar and investing the spare change into diversified ETF portfolios. The app lets you start investing with as little as your spare change, set up recurring investments from $5, and access retirement accounts with IRA matching up to 3% during your first year. Additional features include emergency savings with 3.35% APY, a checking account, Bitcoin allocation up to 5% of your portfolio, custom stock and ETF selection, investment accounts for kids with 1% matching, and a money manager tool that automatically splits funds across investing, saving, and spending. Acorns investment accounts are SIPC-protected up to $500,000, checking accounts are FDIC-insured up to $250,000, and security includes 2-factor authentication, fraud protection, and 256-bit encryption.
Highlights
- Round-Ups feature automatically invests spare change from purchases into diversified ETF portfolios
- Retirement accounts with up to 3% IRA match on new contributions during first year
- Emergency savings account earning 3.35% APY
- Investment accounts for kids with 1% match on contributions
- SIPC protection up to $500,000 on investment accounts and FDIC insurance up to $250,000 on checking
- Money Manager tool automatically splits income across investing, saving, and spending
Best for
Beginners looking to start investing with minimal upfront capital, families wanting to teach kids financial wellness, and anyone seeking automated savings and investment tools integrated with everyday spending.
At a glance
Acorns: Invest Spare Change is rated 4.7 out of 5 from 844,490 ratings and is available on iOS — all free to download.
It is developed by Acorns Grow Incorporated.
Screenshots
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