How much does Acorns cost?

Acorns publishes 3 tiers, from $4/month for Bronze up to $12/month for Gold. The cheapest paid tier is $4/month.

Does Acorns have a free plan?

Not on the record we hold: Acorns is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.

What is the difference between Bronze and Silver on Acorns?

Silver costs $8/month against $4/month, and adds all bronze features, 1% ira match on first-year contributions, acorns checking with no overdraft fees, real-time round-ups.

Is the Gold plan on Acorns worth it?

That depends entirely on whether you need what it adds, which on the published record is all silver features, 3% ira match on first-year contributions, investment accounts for kids with 1% match, custom portfolio building. It costs $12/month against $4/month for Bronze. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.

Which personal finance tools can I use without paying?

6 of the 8 personal finance tools listed alongside Acorns have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.

Does Acorns charge per user?

The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.

Are these Acorns prices current?

They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.

What should I compare Acorns against before paying?

The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Acorns covering price, platforms and features.

Personal Finance · pricing

Acorns pricing

Acorns publishes 3 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.

As of 30 August 2026, Acorns pricing is $4/month across 3 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.

Entry price: $4/month
Model: Subscription
Tiers: 3
Free tier: Not on record

Acorns plans, side by side

Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.

Acorns pricing tiers
Plan	Price	Features listed	Step up from the tier below
Bronze	$4/month	3	Entry tier
Silver	$8/month	8	+$4/month, 8 more features
Gold	$12/month	10	+$4/month, 10 more features

What each tier adds

The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.

Bronze

$4/month

The entry tier. It covers investment account with diversified portfolio, round-ups spare change investing, acorns later retirement account.

Silver

$8/month

Over Bronze, this tier adds:

All Bronze features
1% IRA match on first-year contributions
Acorns Checking with no overdraft fees
Real-Time Round-Ups
Emergency Savings (3.35% APY)
55,000+ fee-free ATM access
Acorns Earn with up to 25% bonus matching
Live Q&A sessions with experts

Gold

$12/month

Over Silver, this tier adds:

All Silver features
3% IRA match on first-year contributions
Investment accounts for kids with 1% match
Custom portfolio building
Acorns Early debit card and app
Money Manager feature
Up to 50% bonus matching on Earn
Free tax filing service
10,000 USD life insurance policy
No-cost Will planning

What the product covers

The full Acorns feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.

Other

Round-up investing
Automated investing
Portfolio management
Recurring investments

Integrations

Bank accounts
Credit cards
Debit cards

Platform

Web support
IOS support
Android support

People bring Acorns in 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, earning cashback that is invested rather than banked. If that is not the job you are buying for, the alternatives to Acorns are worth a look before you commit to a tier.

How that compares in Personal Finance

Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.

Acorns entry price against other Personal Finance tools
Tool	Entry price	Model	Rated	Head to head
Acorns (this page)	$4/month	subscription	-
Monzo	Free	Free core current account; paid Plus and Premium tiers add features	-	vs Acorns
Revolut	Free	Free standard tier; paid plans add higher limits, insurance and perks	-	vs Acorns
Strands	On request	quote	-	vs Acorns
Affirm	Free	Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee	-	vs Acorns
Firefly III	Free	Open source, no licence fee	-	vs Acorns
Lunch Money	$60/year	Pay what you want, annual, above a published minimum	-	vs Acorns

Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Acorns badges page.

Before you pay for Acorns

Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.

What it can tell you is the shape of the ladder: 3 tiers between $4/month and $12/month, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare Acorns against the tools that do have one before committing.

Acorns runs on web, ios, android, and is published by Acorns Advisers, Inc. of Irvine, California. The full record is on the Acorns review, and the rest of the category is under best personal finance tools.

Acorns pricing on the vendor's own site

Acorns pricing questions

How much does Acorns cost?: Acorns publishes 3 tiers, from $4/month for Bronze up to $12/month for Gold. The cheapest paid tier is $4/month.
Does Acorns have a free plan?: Not on the record we hold: Acorns is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
What is the difference between Bronze and Silver on Acorns?: Silver costs $8/month against $4/month, and adds all bronze features, 1% ira match on first-year contributions, acorns checking with no overdraft fees, real-time round-ups.
Is the Gold plan on Acorns worth it?: That depends entirely on whether you need what it adds, which on the published record is all silver features, 3% ira match on first-year contributions, investment accounts for kids with 1% match, custom portfolio building. It costs $12/month against $4/month for Bronze. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
Which personal finance tools can I use without paying?: 6 of the 8 personal finance tools listed alongside Acorns have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
What am I actually paying for with Acorns?: The record lists 10 features across 3 areas: other, integrations, platform. In practice it is brought in for automated investing of spare change from everyday purchases, retirement saving through acorns later ira accounts, checking and high-yield savings alongside investing.
Does Acorns charge per user?: The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
Are these Acorns prices current?: They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
What should I compare Acorns against before paying?: The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Acorns covering price, platforms and features.