Software · head to head
Acorns vs Banktivity
The short version
- Each has a real cost: Acorns a flat monthly subscription regardless of balance, so $3 a month on Bronze is a heavy percentage on a small account; Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version
- They diverge on capability: Acorns covers Round-up investing, Banktivity covers Account tracking.
Where they differ
Only the attributes on which Acorns and Banktivity actually diverge.
| Attribute | Acorns | Banktivity |
|---|---|---|
| Platforms | Web, IOS, Android | Mac, IOS |
| Founded | 2012 | 2007 |
Identical on both: starting price (On request), pricing model (subscription), free tier (No), user rating (Not yet rated), category (Unknown).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Acorns
- Round-up investing
- Automated investing
- Portfolio management
- Recurring investments
- Credit cards
- Debit cards
- Web support
- Android support
Only in Banktivity
- Account tracking
- Bill management
- Investment tracking
- Budget forecasting
- Investment accounts
- Mac support
Both cover
- Bank accounts
- IOS support
What people use each for
The jobs each tool is most often brought in to do.
Acorns
- Automated investing of spare change from everyday purchasesnot Banktivity
- Retirement saving through Acorns Later IRA accountsnot Banktivity
- Checking and high-yield savings alongside investingnot Banktivity
- Custodial investing and debit cards for children through Acorns Earlynot Banktivity
- Earning cashback that is invested rather than bankednot Banktivity
Banktivity
- Personal budgeting and money management on a Macnot Acorns
- Investment and net worth trackingnot Acorns
- Retirement planning projectionsnot Acorns
- Connecting to over 14,000 financial institutionsnot Acorns
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Acorns
- A flat monthly subscription regardless of balance, so $3 a month on Bronze is a heavy percentage on a small account
- The emergency savings account and the 1 percent IRA match need Silver at $6 a month
- Custom portfolios, Acorns Early for children and Money Manager are Gold tier only at $12 a month
- There is no free tier
Banktivity
- Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
- Pricing is not shown on the product page and sits behind a separate plans page
Pricing, plan by plan
Acorns
On request- Lite$4.99/month
- Round-up investing
- Automated portfolio
- Plus$9.99/month
- All Lite features
- Checking account
- Dollar-based investing
- Premier$19.99/month
- All Plus features
- Premium investing
Banktivity
On request- Monthly$4.99/month
- Full feature access
- Cloud sync
- Annual$39.99/month
- All monthly features
- Discounted rate
Which should you pick?
Choose Acorns if
- You need round-up investing.
- You work on Web, IOS, Android.
- You also want automated investing.
Choose Banktivity if
- You need account tracking.
- You work on Mac, IOS.
- You also want bill management.
Questions people ask
- Is Acorns or Banktivity better?
- Neither clearly leads. Acorns starts at On request and Banktivity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Acorns or Banktivity?
- Acorns starts at On request and Banktivity at On request.
- Does Acorns or Banktivity run on more platforms?
- Acorns runs on Web, IOS, Android. Banktivity runs on Mac, IOS.
- What is Acorns best used for?
- Acorns is most often used for automated investing of spare change from everyday purchases, retirement saving through acorns later ira accounts, checking and high-yield savings alongside investing, custodial investing and debit cards for children through acorns early. Of those, automated investing of spare change from everyday purchases and retirement saving through acorns later ira accounts are not what Banktivity is typically brought in for.
- What can Acorns do that Banktivity cannot?
- Acorns covers Round-up investing, Automated investing, Portfolio management, Recurring investments. Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Both handle Bank accounts, IOS support.
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