Acorns Reviews: Is The Investing App Worth It? | Acorns

Acorns Reviews

Real people. Real potential.

See how everyday Americans are unlocking their money’s potential with Acorns.

Customers received $5,000, which provides incentive to recommend Acorns. Not representative of all customers.

I never thought I could afford to invest until I found Acorns.

Taryn Thompson

Acorns makes investing simple with a portfolio tailored to my age and risk tolerance, automatic spare-change investing, and easy access to checking, savings, an IRA, and accounts for my kids—all in one place.

Shamir B

At 35, I finally feel in control of my finances with Acorns. Round-Ups make saving and investing effortless, and for the first time I have steady savings growing in the background.

Jennifer B

My wife and I use Acorns to invest in a new legacy—one filled with brighter days.

Shawn Perdue

I felt way behind and I wasn't sure where to start. But Acorns gave me an easy way in.

Marissa Lebarron

My Acorns Invest account was a huge lifesaver. Now, I’m working on building another nest egg.

Lou Caltabiano

Acorns Early helps me teach my kids that money is a tool, not just something to spend.

Naseema McElroy

I started with round-ups, watched my balance grow, and opened an Acorns bank account. The Bronze plan covers everything I need, with no overdraft fees.

Kyle

Acorns has helped me save, invest, and manage my money better, while setting up accounts for my kids and teaching them about money.

Christopher S

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When I started with Acorns, I knew almost nothing about investing. Now I have more saved than I ever imagined and a real passion for it. It’s truly changed my life.

Jwilliams_15

I’m investing with Acorns to build back my retirement account. I love what I do, I just don’t want to do it forever.

Kristie Harford

Frequently asked

How does Acorns Work?

Acorns is a simple way to give your money a chance to grow automatically. We build you a financial wellness system that makes it easy to invest for your future, save for tomorrow, and spend smarter today.

Here’s how it works:

Invest Your Spare Change: Our Round-Ups® feature automatically invests the spare change from your everyday purchases into a diversified, expert-built portfolio.
Automate Your Savings: You can set up Recurring Investments or use our Smart Deposit feature to automatically split a piece of your paycheck across your investing, retirement, and spending products.
Earn Rewards: Our Acorns Earn feature lets you automatically earn bonus investments when you shop with over 15,000 top brands.

Plan for the Long Term: You can also invest for retirement with Acorns Later and manage your daily spending with Acorns Checking.

Is Acorns Worth it?

Yes, Acorns is worth it for anyone who wants an easy, automatic way to start investing and looking to build long-term wealth.

We help you cultivate smart money habits by:

Making it Easy: You can get started in minutes, and our tools manage your money automatically in the background of life.
Teaching You to Grow: We offer personalized, expert-built portfolios and educational tools to help you invest wisely, not wildly.
Focusing on the Long Game: Our optimism helps our customers focus on the long game—growing from tiny acorns into mighty oaks.

Learn more in our detailed breakdown: https://www.acorns.com/learn/acorns/is-acorns-worth-it/

Is Acorns Safe?

Yes, Acorns is a secure and regulated financial platform, and your security comes first.

Here’s how we help protect you and your money:

Insured Accounts: Funds held in Acorns Checking accounts are FDIC-insured (up to $250,000), and investment accounts are SIPC protected (up to $500,000).
Built-in Security: We use enterprise-grade encryption, biometric login, and multi-factor authentication to safeguard every login and transaction.

Transparent Pricing: We are a subscription business with transparent, flat-fee pricing—no hidden fees or commissions.

How do you potentially grow money using Acorns?

Acorns helps you potentially grow your money by putting it to work for your future with time-tested investing principles.

You have the opportunity to grow your money by:

Consistent Investing: By consistently investing spare change with Round-Ups® and using Recurring Investments, you allow time and diversification to do the work.
Compounding Returns: Your investments and the returns they earn get reinvested, helping your money potentially grow on itself over time.
Earning Bonus Investments: Acorns Earn automatically gives you cash rewards from over 15,000 brand partners, which are invested directly into your portfolio, turning your spending into investments.

Learn more about Acorns Earn: https://www.acorns.com/earn/

Does Acorns Cost Money?

Yes. Acorns uses a transparent subscription model to make money without draining yours. We offer three simple subscriptions designed to fit your goals:

The Acorns Bronze plan is $4/month and is a great place to start investing, including an investment account with an expert-built, diversified portfolio, Round-Ups® that invest your spare change, an Acorns Later retirement account and a checking account that saves and invests automatically.

The Acorns Silver plan, at $8/month, adds more ways to give your money a chance to grow, including an Emergency Fund with a competitive APY, a 1% IRA match during your first year, and access to exclusive educational tools.

The Acorns Gold plan is the $12/month, all-in plan for individuals and families, which includes everything in Silver plus custodial investment accounts for kids with a 1% match, on up to $7,000 in investments per year, a 3% IRA match during your first year, the ability to invest in individual stocks and ETFs, smart money-management tools, and benefits like a $10,000 life insurance policy and a no-cost Will.

There are no hidden fees or trading commissions, and you can adjust or cancel your subscription anytime.

Learn more about our subscriptions and pricing: https://www.acorns.com/pricing/

Is Acorns a good investment app?

Acorns is a great investment app for the up-and-coming — people who want to start investing effortlessly and build long-term wealth.

Its strengths are:

Simplicity and Automation: The app makes investing easy and approachable for beginners, enabling you to build consistent, powerful habits.
Responsible Growth Potential: We provide expert-built, diversified portfolios and educational tools to help you invest wisely.
Mission-Driven: Our mission is to look after your financial best interests, and our business model is built to support our customers' best interests.

Learn more about investing with Acorns: https://www.acorns.com/invest/

Real people. Real potential.

Hear from real customers on how they’re saving and investing with Acorns to realize their money’s potential.

Customers received $5,000, which provides incentive to recommend Acorns. Not representative of all customers.

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