Acorns

Acorns rounds up your everyday purchases to the nearest dollar and automatically invests the spare change into low-cost, diversified ETF portfolios. You can set your risk level (conservative, moderate, or aggressive), and the app handles everything from there. Most users add funds throughout the month without noticing, since rounding up on coffee runs and groceries adds up naturally.

It's ideal for people who want to start investing but find it intimidating or don't have enough to open a traditional brokerage account. Acorns doesn't replace Mint's budgeting features, but it's a solid complement if your main goal is growing wealth passively alongside your daily spending. The fee structure is subscription-based (starting around $5 per month), so the math works best for people building a consistent habit rather than one-time investors.