Acornsvs
Coinbase
Coinbase: Buy, sell, and trade cryptocurrency with ease
Acorns
Invest your spare change
As of 30 August 2026, Acorns starts at $4/month. Acorns makes investing easy by rounding up your purchases and investing the spare change. Softwr lists it under Personal Finance. Acorns is made by Acorns Advisers, Inc., launched in 2012, available on Web, iOS, Android.
Overview
What Acorns does
Acorns makes investing easy by rounding up your purchases and investing the spare change. A great way to start investing for beginners with low account minimums.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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
Cross-shopped
What people choose instead of Acorns
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- AcornsvsKraken
Kraken: Secure cryptocurrency exchange for serious traders
- AcornsvsPayPal
PayPal: The simpler, safer way to pay and get paid
- AcornsvsCash App
Cash App: Money sent in seconds
Pricing
What Acorns costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Bronze
$4 /mo
- Investment account with diversified portfolio
- Round-Ups spare change investing
- Acorns Later retirement account
Silver
$8 /mo
- 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
Gold
$12 /mo
- 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
Capabilities
Features
Round-up investing
Automated investing
Portfolio management
Recurring investments
Bank accounts
Integration with Bank accounts
Credit cards
Integration with Credit cards
Debit cards
Integration with Debit cards
Web support
Available on Web
IOS support
Available on iOS
Android support
Available on Android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
What's the difference between Acorns Bronze, Silver, and Gold plans?
Bronze at $4/month provides basic investment accounts and Round-Ups investing. Silver adds 1% IRA matching, no-fee checking, and emergency savings at $8/month. Gold includes 3% IRA matching, kids' accounts with 1% match, and tax filing for $12/month. Each tier includes all features from lower tiers.
SourceDoes Acorns charge hidden fees or commissions?
No, Acorns charges no hidden fees or commissions. Monthly subscription fees start at $4 and are the only recurring charges; all other services included in each tier have no additional costs.
SourceWhat IRA match percentage does Acorns provide?
Silver tier provides 1% IRA match on first-year Later contributions. Gold tier increases this to 3% IRA match on first-year contributions. Both tiers limit matching to first-year contributions only.
SourceWhat's the APY on Acorns Emergency Savings?
The Emergency Savings account offers 3.35% APY as of March 16, 2026, which is described as more than 8.5 times the national average savings rate. This feature is available on Silver and Gold tiers only.
SourceBehind it
Who makes Acorns
- Company
- Acorns Advisers, Inc.
- Based in
- Irvine, California
Keep looking
Where to go from Acorns
- Acorns alternativesEvery product people weigh against it
- Acorns pricingPlans, floors and what the tiers exclude
- Acorns badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Acorns with
- Cash App
- Kraken
- Coinbase
- PayPal
- Banktivity
- Wealthfront
- Monarch Money
- Quicken
- Moneydance
- Tiller Money
- Robinhood
- Charles Schwab
- Copilot Money
- Credit Karma
- E*TRADE
- EveryDollar
- Banktivity
- Simplifi
Other Personal Finance software
Softwr does not host reviews and shows no star rating for Acorns, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Acorns
Acorns alternatives
What people switch to, and what they give up
Acorns pricing
Every tier, and where the cost actually lands
Compare Acorns
Put it head to head with anything we hold
Acorns badge
Its rating, and an embed for your own site
Best Personal Finance software alternatives
The official free mobile app of the US Internal Revenue Service for refund status and basic tax tools
Free government app, no payment of any kind
Free, open source, self-hosted personal finance manager with double-entry style accounting
Open source, no licence fee
Hosted budgeting app with bank sync, crypto and multi-currency tracking, pay-what-you-want annual pricing
Pay what you want, annual, above a published minimum
Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere
Free standard tier; paid plans add higher limits, insurance and perks
Buy now pay later app offering short interest-free plans and longer plans that charge real APR interest
Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee
UK-licensed digital bank with FSCS-protected deposits and no foreign currency card fees
Free core current account; paid Plus and Premium tiers add features
Buy now pay later app splitting purchases into four instalments, owned by Block
Free to shoppers with no interest on the standard plan; merchant pays a per-transaction fee, late fees apply to missed payments
Free, open source, local-first envelope budgeting with optional self-hosted sync
Open source, no licence fee; optional paid hosted sync and subscription tier