Acorns

Acorns: Automated investing and saving for individuals and families

Acorns is a financial wellness app designed for individuals and families looking to save, invest, and grow their money automatically. The platform brings together investing, banking, saving, retirement, and financial education services in a single app, aiming to simplify money management through everyday habits.

Automated investing

The Acorns Invest service allows you to invest automatically in expert-built, diversified ETF portfolios designed to make long-term growth simple. You can even start investing with just your spare change. For retirement, Acorns Later offers automated investing with potential tax benefits and a 3% match on IRA contributions during your first year with the Acorns Gold plan.

Banking, saving, and money management

Acorns Checking & Emergency Savings combines a checking account and a high-yield emergency savings account, which according to the company offers a rate more than 8.5 times the national average savings rate. This service is available with the Acorns Silver and Gold plans. Meanwhile, Acorns Money Manager automatically splits your money across investing, saving, and spending, and is available with Acorns Gold.

Products for families and financial education

Acorns Early is a money app and customizable debit card for kids, including tools for sending allowance and tasks, kids' savings accounts with goals and autosave, spend limits, and real-time alerts for parents. Money Missions offers short videos and quizzes to teach kids about spending, saving, and budgeting. Additionally, investing in flexible custodial accounts for kids (UGMA/UTMA) lets you start with as little as $5 and get a 1% match, available with Acorns Gold.

Rewards and learning

Acorns Earn lets you earn bonus investments when you shop with partner brands, with a 50% match on earned bonuses for Acorns Gold users. The Acorns Learn section offers courses, videos, articles, and tips for both new and experienced investors.

Security and support

The company states that it protects money and investments with SIPC coverage up to $500,000 and industry-standard security measures, with no hidden fees, real-time alerts, and 24/7 support. Acorns is not a bank; Acorns Visa debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders.

Recognition and plans

The company appears on lists such as World's Top FinTech Companies of 2025, America's Best Financial Services 2026, and Best Robo Advisors. The minimum monthly subscription is $4, as stated in the information about the potential calculator. Available plans include Acorns Silver and Acorns Gold, which determine access to certain services.