Acorns

Acorns links your debit and credit cards, watches every purchase, and rounds each one up to the next dollar. That spare change sweeps into one of several pre-built portfolios matched to your risk tolerance, so the money is invested rather than parked. You can also schedule recurring deposits on top of round-ups if you want to move faster than spare change alone allows, and a retirement account (Acorns Later) follows the same automated approach for an IRA.

Pricing comes in three flat monthly tiers: $3 for the personal investment account, $6 to add the retirement account and a checking account with its own round-up rewards, and $12 to add Acorns Early, a custodial investment account for children. There’s no free tier and no percentage-of-assets fee, which makes the cost predictable but proportionally steeper for someone investing small amounts. It suits people who find a regular brokerage account intimidating and want investing to happen automatically in the background, less so anyone who already has a taxable account and a habit of investing on purpose.