(10 Reviews)

Robo Advisor



Acorns is a micro-savings app and robo-advisor all in one. Invest your spare change today and grow your wealth for tomorrow.

Join investors


Auto Track Available


Asset Class Return30d

#39 Rank

In Robo Advisor30d


Invest from



Acorns Review


Christy Rakoczy897 days ago

Acorns rounds up purchases to the nearest dollar and invests the change in a diversified portfolio.

Get $20 after you make your 1st investment.

Visit Website


Acorns helps you save & invest starting with spare change. Acorns sets aside your spare change from every purchase and invests the change automatically into expert-built portfolios. Acorns has over 10 million customers who have invested over $15 billion. 

Things to Know

  • You make money on

    Value + Dividends

  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    Zero months

  • Target Return

    7% - 9%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Hands-off, low-fee investing

  • Invest with round ups & recurring deposits

  • Start an investment account for your kids

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

You can use Acorns to invest small amounts of money automatically, and you earn returns on those investments through stock price appreciation and dividends. Apart from standard investing, you can also save for retirement through Acorns Later, earn bonuses through the Acorns Checking account, and save for your kids through Acorns Early. As an added bonus, Acorns plants thousands of trees each year to help fight climate change. 


For reference: according to historical records, the average annual return from the S&P Index since its inception in 1926 through 2018 is approximately 10%–11%. The average annual return since adopting 500 stocks into the index in 1957 through 2018 is roughly 8%. Adjusted for inflation, the historical average annual return is around 7%. However, it's important to note that each Robo has their own investment strategy that can influence returns.

How Acorns makes money

Acorns is a private company that makes its money through member fees. Acorns charges $3 per month for the standard package and $5 per month for the family package. Acorns also earns interest on the money users deposit into their Acorns Spend accounts.

Is it safe?

Acorns has been in operation since 2012 and is estimated to have over 8 million users with assets under management totaling around $3 billion. Acorns diversifies your investments across several large, reliable ETFs. This allows for exposure to a diversified portfolio without taking on the risk of owning individual stocks. Brokerage services are provided to clients of Acorns Advisers by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA. Member of SIPC. Securities in your account protected up to $500,000.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.


  • 5


  • 4


  • 3


  • 2


  • 1


Reviews (10)


Beautiful app and debit card. Love the instant round ups with multiplier features. Also like the simplified portfolios and integrated ira contributions. I wasn’t crazy about them demanding a $25 deposit before you receive your debit card. You’ll have no access to your funds until you receive your card which can be up to two weeks later.



I think acorns is very fair with their dividends and paying out. 7% IMHO is very good and that’s where I’m at with Acorns. This is why Acorns rocks for hands off investors.



This app is great if you’re not inept. I have put $1,500 in this account over 8 months. I have 3 referrals, $15. $12 in dividends. 7% return, or, $70 in market gain. That’s almost $100 in free money so far.