Spare-change round-ups invested in a diversified ETF portfolio.
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Acorns is a round-up investing app in the investment platforms category regulated by SEC and FINRA. Founded in 2014 and headquartered in Irvine, CA, operating for 12 years, it is most often used for automating goals-based investing with rebalancing built in.
Why people search for this
Hand most of the investing decisions to an automated platform so contributions keep happening.
Acorns fits best when you are automating goals-based investing with rebalancing built in, and specifically when want automated investing with one monthly transfer. It also suits investors who use the goal-based tools to pick an appropriate allocation.
It is not the right pick for someone who needs a fundamentally different product from a round-up investing app.
Acorns's headline cost is management fee at See attributes. Secondary line items include underlying fund expenses (Typically 0.05%–0.20%). Always cross-check fees against the operator's current pricing page — schedules change without notice.
Acorns is registered with or supervised by SEC (verify on SEC EDGAR), FINRA (verify on FINRA BrokerCheck). Regulatory registration is not a guarantee against loss — it means the firm operates under a defined rule-book and is subject to enforcement when it doesn't.
The closest peer to Acorns in this directory is AJ Bell Dodl, also a uk app investing. On management fee the two differ visibly — Acorns shows $3–$12/mo, while AJ Bell Dodl shows 0.15% platform fee. If you are torn, open both side by side in the compare tool to see every attribute laid out in one table.
| Attribute | Acorns | AJ Bell Dodl |
|---|---|---|
| Management fee | $3–$12/mo | 0.15% platform fee |
| Account min | $0 | £100 |
| Tax-loss harvest | No | No |
| Account types | Individual, Roth, Traditional, SEP IRA, Custodial | ISA, LISA, SIPP, GIA |
Acorns is a round-up investing app in the investment platforms category, headquartered in Irvine, CA. Spare-change round-ups invested in a diversified ETF portfolio.
Acorns is a US registered investment adviser offering an automated investment platform, founded in 2014. The service constructs and rebalances a diversified portfolio of low-cost ETFs based on a short goal questionnaire, with tax-loss harvesting available on most taxable accounts.
The table below lists every fee Acorns discloses in its current pricing schedule, drawn from the operator's own published pages. Compare line items against rivals in the investment platforms compare tool before settling on a primary account.
| Management fee | See attributes |
|---|---|
| Underlying fund expenses | Typically 0.05%–0.20% |
This is the structured feature matrix MoneyMoodBoard editors track for every investment platforms listing. A green check means fully supported, an orange dash means conditional on tier or geography, and a red cross means the feature is unavailable today.
These are first-party reviews submitted by verified MoneyMoodBoard readers who actually use Acorns. The average rating is 4.0 of five across 340 ratings, with the distribution and individual write-ups visible below for context.
4.0 / 5
Based on 340 ratings
Seed review summarising public sentiment about Acorns: Spare-change round-ups invested in a diversified ETF portfolio. Users generally agree with the rating shown, with the trade-offs listed in the cons section being the most cited drawback.
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Before opening an account with Acorns, it helps to understand the category itself. The five short sections below explain how investment platforms work, who they suit, the main risks, where they fit in a plan, and the US regulatory rules.
Investment platforms — often called robo-advisors — build and maintain a diversified portfolio based on a short risk questionnaire, charging a small annual fee for the service.
You answer questions about goals, time horizon and risk tolerance. The platform allocates your money across low-cost ETFs and automatically rebalances and tax-loss harvests over time.
People who want professional asset allocation without paying a human advisor, and who would otherwise not invest at all or pick poorly.
Fees stack on top of the underlying funds. A 0.25% management fee plus 0.07% in fund expenses adds up over decades — though usually still cheaper than a human advisor.
Robo-advisors work well as the entire portfolio for hands-off investors, or as a managed taxable account alongside a self-managed IRA. They're particularly useful for tax-loss harvesting in larger taxable accounts where the savings can cover the management fee multiple times over.
Robo-advisors are SEC-registered investment advisers (RIAs) and hold customer assets through SIPC-member custodians. Form ADV — filed with the SEC and available publicly — discloses fees, conflicts, and disciplinary history. The 2024 SEC marketing rule restricts performance claims.
Quick definitions for terms used across investment platforms listings.
Short answers to the questions people most commonly type into search when researching Acorns. Each answer is composed from this listing's own data — regulator footprint, fees, headquarters, ratings — so it reflects the current state rather than a generic template.
These are the closest peers to Acorns inside the investment platforms category on MoneyMoodBoard. Open any card to compare fees, features, regulation and verified user reviews side by side, or add them to the compare tray to evaluate up to four together.
UK app investing
AJ Bell's low-cost investing app.
Robo-adviser
Ally's robo — 30% cash version is fee-free.
Robo-adviser
Axos's robo — multiple model portfolios.
All numeric values, regulatory statuses and license details on this page reference primary sources above. Verify before depositing funds — schedules and registrations change without notice.