An offer for you

Start investing with your spare change

Acorns rounds every purchase up to the nearest dollar and automatically invests your spare change.

Give it time to grow and all that spare change could change your future. It might be money for a new car, your first home, or to get your side hustle off the ground.

Get a $20 bonus investment when you sign up for Acorns and start investing your spare change.
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Get my $20 bonus investment
Acorns is only available to US citizens or other lawful residents who are currently located in the United States. You must be 18 or older to sign up for an Acorns account.
Here’s how:
1
Tap the link above and set up your Acorns account — it only takes 3 minutes!
2
Link a card to your Acorns account, then turn on Round-Ups to start automatically investing your spare change.
3
Get a $20 bonus investment when you invest with Round-Ups for the first time.
*Bonus is typically paid within 10 days of the following month, after making your first successful Round-Up
*Bonus is typically paid within 10 days of the following month, after making your first successful Round-Up
Bar graph displaying growth over time
$20 bonus investment offer limited to first-time Acorns clients (min $3/mo) who (1) enroll at https://www.acorns.com/college/ and use the promo code COLLEGE20 when prompted; (2) open an Acorns User Account; (3) open an Acorns Invest Account; and (4) set up and deposit a recurring investment of $5 or more into their Invest Account within 7 days of sign up. Legal U.S. residents 18+ only. See full terms and conditions here.

Limited time offer. Acorns reserves the right to restrict, revoke, or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Bonus investments are made at the sole discretion of Acorns.

Individuals are engaged as Acorns brand ambassadors to promote Acorns' brand generally, and are paid $400/mo, plus monthly bonuses up to $1,500/mo based upon the number of unique click-throughs on the Acorns college landing page tied to the ambassador's respective campus. Any testimonial or endorsement by them should not be viewed as a testimonial or endorsement of Acorns Advisers, LLC or its investment advisory services, an offer or solicitation of those services or investment advice or recommendations.
YOUR FINANCIAL WELLNESS SYSTEM

Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns -

Investing for wherever you are in life — all in one app
Acorns Banking
Acorns Banking
Banking with built-in investing. We’ll invest a portion of your paycheck for you every time you get paid.
Acorns Learn
Acorns Learn
Grow your financial knowledge with videos, articles, and tips for investors both experienced and new.
Emergency Savings
Emergency Savings
Automatically set money aside for those “rainy days” and earn 3.59% APY.
Acorns Invest
Acorns Invest
Invest for your goals, like a car or a home. You can even get started with just your spare change.
Acorns Later
Acorns Later
Get an IRA plan recommended for you and your future goals, plus tap into potential tax advantages as you invest.
Acorns Earn
Acorns Earn
Earn bonus investments just for buying the stuff you were going to buy anyway. Find offers from thousands of top brands across our app and browser extensions!
Show your potential

What could investing your spare change do for you?

The average Acorns customer invests $44 a month in spare change alone. How much could that money grow over time? We used the Acorns compound interest calculator to find out.
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Image of Acorn
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$XX,XX5

The chart shows an estimate of how much an investment could grow over time based on the initial deposit, contribution schedule, time horizon, and interest rate specified.  Changes in those variables can affect the outcome.  Reset the calculator using different figures to show different scenarios.  Results do not predict the investment performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance.

What can squirrels teach us about money?

Acorns was designed to help us humans follow in the (very tiny) footsteps of nature’s greatest investor — the squirrel! Here are some financial principles we’ve learned from our furry friends.
Tiny can turn mighty with time

When a squirrel looks at an acorn, they don’t see a small nut. They see a mighty oak in the making! All it takes is time.

Acorns is built for long-term investing, because no matter how much (or how little) you have, the power of time can give your money a chance to grow.

Tiny can turn mighty with time
Don’t put all your nuts in one place
Don’t put all your nuts in one place

Squirrels bury them all over! In investing, that’s called “diversification.” It means your money is spread across a mix of asset types — and it can help reduce risk, too.

Acorns makes it easy to mix things up by recommending diversified portfolios built by experts that match your money goals.

Acorns can turn into more acorns

Sometimes when a squirrel buries an acorn, it grows into an oak tree — and then that oak tree makes more acorns!

That’s basically how “compounding” works — and why Acorns automatically reinvests your dividends and your capital gains. We know money can’t grow on trees, but it can grow on itself!

Acorns can turn into more acorns
Go slooow
Go slooow

One squirrel can collect over 10,000 acorns each year. That kind of stockpile doesn’t happen all at once. Squirrels slowly build up their acorn fortune, one cheekful at a time.

Acorns helps you invest at your own pace, too. Automatically add as little as $5 to your account every day, week, or month and you can give your money a chance to grow without busting your budget.

Frequently asked

How does Acorns work?

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Acorns was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning ahead for your family’s future, we bundle our products, tools, and education into subscription plans — each curated to meet you on whichever stage of life you’re in.

 

Acorns offers three different subscription plans for your life’s financial needs.

 

Bronze - $3/month

Investing tools to get you started on your financial journey.

  • Round-Ups® feature
  • Expert-built diversified portfolio
  • Retirement account
  • Checking account, and more

 

Silver - $6/month

Level up your saving and investing skills.

  • Everything in Bronze
  • 1% IRA match on new contributions to your Acorns Later retirement account during your first year with Acorns Silver
  • Emergency Savings
  • Courses and videos to help you grow your money knowledge
  • Live Q&As with investing experts

 

Gold - $12/month

Full suite of saving, investing, and learning tools for you and your family.

  • Everything in Silver
  • Your money, smartly split across investing, saving and spending with Money Manager
  • 3% IRA match on new contributions to your Acorns Later retirement account during your first year with Acorns Gold
  • Investment accounts for your kids with a 1% match
  • Acorns Early smart money app and debit card for kids
  • Ability to add individual stocks and ETFs to your portfolio 
  • $10,000 life insurance policy
  • Complimentary Will, and more

 

    What are the different accounts in the plans? 

    Acorns Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Your investments are then diversified across more than 7,000 stocks and bonds, and Acorns automatically rebalances your portfolio to stay in its target allocation.

     

    Acorns Later, our retirement account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign up, Acorns recommends an IRA account for you based on your goals, employment and income.

     

    With Acorns Checking, our checking account and debit card, you can save, invest and earn while you spend. Acorns Checking has no overdraft or minimum balance fees, plus free Allpoint ATM access nationwide.

     

    Round-Ups® and Investing

    With Round-Ups®, we round up any purchase made from a linked account, debit or credit card to the next dollar. We invest Round-Ups® in your Acorns Invest account when they add up to at least $5 from all linked accounts. You can find and manage your Round-Ups® within your Invest account.

     

    Round-Ups® will always be transferred from your primary checking account.

     

    Recurring Investments allow you to invest as little as $5 per day, week or month into your Acorns accounts.

     

    And you can make one-time investments anytime to boost your account value. When you create your profile, we'll suggest a portfolio based on your answers to a few questions, but you can change it at anytime. The portfolio recommendation is designed with the goal to maximize potential returns at a selected level of risk.

     

    Where do we invest it? The money in your Acorns Invest account is invested in different exchange-traded funds (ETFs). These funds include stocks, bonds and other securities. Read more about it at acorns.com/invest.

     

    What makes Acorns different?

    Our 5 investment portfolios were designed with the goal to maximize potential returns at a selected level of risk. There are no account minimums and we don't work on commission. Our goal is to give you the tools to take the best financial care of yourself, easily.

     

    For our low monthly fee, you get: 

    • Diversified portfolios
    • Automatic rebalancing
    • Access to Acorns Earn partners to earn while you shop
    • On the go accessibility through our mobile and web app
    • Investment support from our dedicated support team
    • Access to Acorns Later, an easy way to save for retirement
    • Access to Acorns Checking, with a debit card that saves, invests and earns for you

     

    The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With Acorns, you can start early and invest often, without making big changes to your everyday life. In fact, you can start with as little as $5.

    What do I need to get started?

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    Once you download the Acorns app or sign up through our web app, you’ll need:

     

    1. A valid email address where we can reach you and regularly send you account information.
    2. Your online banking log-in information to link your accounts to fund your investments, use Round-Ups®, and pay your monthly subscription fee. (Please note, you MUST be listed as an owner on the bank account)
    3. Your physical address - this should be your most permanent address since we can't accept a PO Box or business address. (Please note- you will be able to designate a different mailing address if needed)
    4. Your Social Security Number or ITIN.
    5. General Profile Information like your financial goals, time horizon, risk tolerance, occupation, and earnings. This will help us recommend the right portfolio for you.

     

    After signing up, you may also need to upload a photo of your government-issued ID or other documentation that allows us to verify your identity.

     

    That’s it! Most accounts are approved within 1 business day. If you experience a delay in getting your account approved, please reach out to Support.

    Where is my money invested?

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    There are five different Acorns Core portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

     

     

    The ETFs comprising the Acorns portfolios charge fees and expenses that will reduce a customer’s return. Investors should read each fund's prospectus and consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus.



    If you have any other questions, feel free to reach out to us here.

    © 2025 Acorns

    Welcome to the Acorns site, operated by Acorns Advisers, LLC (‘Acorns’). Sign up bonus is exclusively for new customers who have not previously opened an Investment Account. Account approval is contingent on verification and approval pursuant to regulatory requirements. Acorns is only offered to US-residents who are 18 years of age or older. Acorns reserves the right to restrict or revoke this promotional offer at any time and without notice.

    Important Risk Disclosures

    Investing involves risk including the loss of principal. Please consider your objectives, risk tolerance, and Acorns' fees before investing.

    Acorns is only available to US citizens or other lawful residents who are currently located in the United States. You must be 18 or older to sign up for an Acorns account.

    Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. Compounding is the process in which an asset's earnings are reinvested to generate additional earnings over time. It does not ensure positive performance nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. 

    Round-Ups® are transferred from your linked funding source to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Round-Up investments from an external account, will be processed when your Pending Round-Ups reach or exceed $5.

    Acorns Invest is an individual investment account. Acorns Later is an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Invest and Later recommend a portfolio of ETFs (exchange traded funds) to clients, please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. 

    Acorns does not provide tax or legal advice, you should consult with a tax or legal professional to address your particular situation.

    Screenshots are simulated and for illustrative purposes only and must not be considered a prediction of performance or represent the performance of any Acorns portfolio.

    Comparisons are based on the national average Annual Percentage Yields (APY) published in the FDIC National Rates and Rate Caps as of October 16, 2023. As of October 30, 2025, Mighty Oak Checking Annual Percentage Yield (APY) is 2.33% and Emergency Savings APY is 3.59%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required. 

    Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. 

    Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. 

    Acorns Later is an Individual retirement account consisting of a Traditional, ROTH or a SEP IRA selected for customers based on investor profile questionnaire answers.

    Over 14 million all-time customers and over $27 billion invested since inception as of 8/18/2025. App store star rating as of 8/19/2025.

    Since Acorns inception, customers invest an average of $44 a month via Round-Ups.

    Investment advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. For more information, visit acorns.com/disclosures/.

    © 2025 Acorns Grow Incorporated | Disclosures | Accessibility | Privacy Policy | Privacy Policy | Your Privacy Choices

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