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 tiers — each curated to meet you on whichever stage of life you’re in.
Acorns offers three different subscription tiers for your life’s financial needs.
Acorns Personal - $3/month
Investing tools and financial education to get started. This tier includes:
Acorns Personal Plus - $6/month
Tools to learn, save and invest, plus live Q&A sessions with financial experts. This tier includes the previous tools, in addition:
- Premium Education
- Emergency Fund
- Earn Rewards Match (eligible for an extra 25% match on bonus investments you earn up to $200.)
- Mighty Oak Card
Acorns Premium - $12/month
Full suite of tools to save and invest for your family. This tier includes the previous tools, in addition:
- Benefits Hub
- Custom Portfolio
- Early
- Earn Rewards Match (eligible for an extra 50% match on bonus investments you earn up to $200.)
- Mighty Oak Card
What are the different accounts in the tiers?
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.
Later, the retirement account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app 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.
