Acorns

Acorns is a popular personal financial software that makes investing easy and accessible to everyone, particularly novices. The platform's most notable feature is its "Round-Ups" tool, which automatically invests spare change from daily purchases by rounding each transaction to the next dollar. Once the round-ups reach $5, the total sum is invested in a diversified ETF portfolio based on the user's risk tolerance. Acorns also accepts one-time and regular deposits, making it simple to accumulate money with little effort and no minimum investment necessary.​

Acorns provides a variety of financial services in addition to investing, such as individual retirement accounts (IRAs), custodial accounts for children, high-yield checking, and savings accounts, all of which are handled through a single, user-friendly mobile app. The platform offers automated portfolio rebalancing, socially responsible portfolio options, and instructional resources to assist users improve their financial literacy. Premium tiers provide additional benefits such as IRA contribution matching, cashback rewards from partner stores, life insurance, and complimentary will creation.