Acorns

What is Acorns?

Acorns is a micro-investing application. The company describes it as an app that rounds up everyday purchases to the nearest dollar and invests the spare change into diversified portfolios. The portfolios are managed by Acorns and are designed for users who want an automated way to start investing without manually selecting assets. The app is available through the website listed at acorns.com. According to Acorns' own documentation, the core feature is the round-up mechanism, which links to a user's debit or credit card and accumulates small amounts from each transaction.

Who is Acorns for?

Acorns targets people who want to invest small amounts of money regularly without active management. The round-up feature is aimed at individuals who make frequent card purchases and would like to turn spare change into savings. The app also offers additional services tied to higher-priced plans. The Silver tier includes an Emergency Savings account earning 3.35% APY and a 1% IRA match on new contributions during the first year. The Gold tier provides a 3% IRA match on new first‑year contributions, an investment account for children (with a 1% match), and a $10,000 life insurance policy for eligible customers. These features suggest Acorns is also intended for users interested in retirement saving, family investing, and basic life insurance — all through a single subscription.

How much does Acorns cost?

Acorns uses a subscription pricing model. The pricing page lists three tiers with monthly fees:

• Acorns Bronze – $3 per month. Includes the basic round‑up investing feature and a diversified portfolio.
• Acorns Silver – $6 per month. Adds the Emergency Savings account (3.35% APY) and a 1% IRA match on new contributions during the first year.
• Acorns Gold – $12 per month. Includes a 3% IRA match on new contributions in the first year, an investment account for children with a 1% match, and a $10,000 life insurance policy for eligible customers.

All fees are quoted as of July 26, 2026. No free tier is listed. The Bronze plan is the entry point at $3 per month; Silver and Gold add progressively more features focused on savings, retirement, and family benefits. Users should check the current pricing on the official website, as fees and plan details may change.