How does Acorns work?

Article author
Alexander G.
  • Updated

Acorns is an app that makes saving and investing easy. Unlike other investing apps where you pick and choose stocks you want to invest in, Acorns does that for you by recommending a diversified, expert-built investment portfolio of ETFs designed for long-term investing.

We’re here to help you by providing Investing tools to get you started on your financial journey.


Investing with Acorns 

Banking with Acorns

Our monthly subscription 

Investing with Acorns 

Investing with Acorns means unlocking a full suite of investing tools that can help you reach your financial goals — no matter what stage of life you’re in. Whether you’re looking to invest for your future or your family’s future, Acorns has you covered. 

Acorns Invest – Personal investing account 

Your expert-built, diversified investment account, where you can invest spare change through Round-Ups® and set easy Recurring Investments

Acorns Later – Retirement account

Your easy retirement account, where you can start with just $5 and get potential tax advantages as you invest. Here’s how to set up an Acorns Later account.

Acorns Early – Investment account for kids 

Your investment account for the kids in your life. See potential tax advantages, and invite friends and family to invest, too. Here’s more information about what's included with Acorns Early.

Banking with Acorns 

Banking with Acorns means having a checking account that saves, invests, and earns for you. Acorns Checking is included with our Investing tools to help you get the most out of your money. 

Acorns Checking – All-digital banking 

Your smart checking account that can invest while you spend. You can even invest a piece of every paycheck automatically. You can learn more about Acorns Checking here. 

Emergency Fund – Prepare for the unexpected 

Automatically save a small piece of every paycheck for those unexpected rainy days. Here’s more information about the Emergency Fund. 

Our monthly subscription

Acorns was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning for your family’s future, we bundle our products, tools, and education into subscription tiers, each curated to meet you at whichever stage of life you’re in.

You can take a look at our pricing here

What makes Acorns different?

Our 5 core investment portfolios were designed to help you maximize your 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 subscription fee, we offer:

  • 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

Check out our pricing page to see the different subscription tiers we offer. 

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.

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