acornscom

Acorns simplifies investing by rounding up everyday purchases and routing spare change into diversified ETF portfolios. The U.S.-focused robo-advisor pairs automatic deposits, retirement and custodial accounts, and a Spend debit option into a single subscription for effortless, beginner-friendly wealth building.

Founded2012

HeadquartersIrvine, California

PriceSubscription-based

AvailabilityU.S. customers only

Why shop

Simple, automated investing for everyday spenders.

01Round‑Up InvestingAutomatically invest spare change from everyday purchases — round-ups quietly accumulate over time so users build portfolios without thinking about transfers.

02Robo‑Managed PortfoliosProfessionally allocated ETF portfolios with automatic rebalancing, diversified across asset classes to suit risk profiles for hands-off, long-term investors.

03All-in AccountsInvest, retirement (IRA), custodial accounts and a Spend debit option plus Found Money cash-back partnerships all work inside a single app.

Investing & Portfolios

The core Acorns experience centers on its mobile app: choose a risk profile, link a bank card, and let round-ups plus recurring contributions funnel into ETF-based portfolios. Automatic rebalancing and simple tax documents keep administration minimal. Ideal for those starting to invest, Acorns pairs a single subscription with tools for retirement accounts and custodial investing.

Spend, Save & Withdraw

Acorns Spend adds checking-style convenience: a debit card, direct deposit and FDIC coverage via partner banks (through the linked account). Found Money partners deliver extra cash-back invested for you. Withdrawals and transfers are available, though selling investments and moving cash takes standard settlement time.

What they sell

Investing accountsRetirement accounts (IRA)Custodial accounts (Early)Checking & debit card (Spend)Round-up automatic investingFound Money cash-back partnersETF portfoliosFinancial education tools

Bottom line

What we like

Truly effortless micro-investing with round-ups and recurring transfers
Clear, beginner-friendly app and robo-advised ETF portfolios
Combines investing, retirement and custodial accounts in one place
Found Money partnerships add passive cash-back investments

Worth knowing

Monthly subscription can feel costly for very small balances
Limited customization compared with full-service brokerages
Available only to U.S. residents

FAQ

How long does the Acorns debit card take to arrive?

Physical debit cards typically ship within about 5–10 business days. Exact timing depends on your address and postal service; activation instructions arrive with the card.

Can I withdraw or transfer my investments?

Yes. You can sell holdings and transfer cash to a linked bank account. Settlement and transfer can take several business days, and amounts depend on market value at sale.

Are there discounts, promo codes or free trials?

Promotions vary. Acorns occasionally offers free trial periods or partner sign-up bonuses; check the website or app for current offers and eligible promotions.