How do I change my Subscription Tier?

Article author
Tatiana B.
  • Updated


How to change your subscription tier

What happens to my money if I change my subscription tier? 

Important tax information

If you're interested in trying out a different subscription tier, you can downgrade or upgrade your subscription anytime. 

We bundle our products, tools, and education into different plans, each curated to meet you at whichever stage of life you're in and with just one, transparent monthly payment to start growing your oak. 

You can learn more about the different plans we offer here.

To see how to get your fees waived, sign up for the Mighty Oak Card here

How to change your subscription tier

From your Acorns app:

  1. Log in to your Acorns account
  2. From the home screen, tap the profile icon in the top left corner
  3. Tap "Settings"
  4. Tap "My Subscription"
  5. Scroll down to "Manage Subscription" and tap "Change tier"
  6. Choose the subscription tier you want and tap "Switch to this plan"


  1. Log in to your account on
  2. From your home page, click on the profile icon in the bottom left corner
  3. Under "Personal Settings," click "My Subscription"
  4. Scroll down to "Manage Subscription" and click on "Change tier"
  5. Choose the subscription tier you want and click on "Switch to this plan"

What happens to my money if I change my subscription tier?

If you're downgrading your subscription tier, heads up that this might involve closing certain accounts if you're switching to a tier that doesn't include that feature. When we close an investment account for you, we'll withdraw your money, which means we'll sell any investments and transfer you the balance. We'll let you know if changing your subscription tier will affect any of your investments once you start making the change in your account.

It's important to know that in addition to having potential tax implications, a withdrawal can "lock in a loss" — what that means is if you sell any investments during a market dip, the value of the stock may be less than what you bought it for. Throughout history, we've seen every U.S. market downturn end in an upturn. Long-term investors who stick with it may very well give their money a better chance to recover and grow over time.

Before you downgrade, you might want to consider pausing your investments instead. 

If you're experiencing economic hardship but want to keep investing in your future, you can learn more about Acorns Assist here.

Important tax information

If you do close any accounts when you change your subscription, you might receive important tax forms from Acorns that you'll need for filing your taxes. We'll email you more information when it's close to tax time, or you can check for tax forms under Settings.

Your tax situation is unique, you may want to consult a tax advisor or visit with any questions before closing your account. Acorns doesn't provide tax advice, but if you have any questions or concerns about your account, please contact us.


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