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Acorns - Invest Spare Change in Index Fund Stocks via Bank, Credit & Debit Cards; Finance Retirement Investments or Build Wealth Investing in ETFs for iOS

By Acorns Free Editors' Rating

Editors' Review Staff Sep 19, 2014

Acorns is an investment app designed to help you start putting a little money away by connecting your credit or debit card to a small investment account. While you probably won't build up your entire retirement portfolio with this app, it's a good way to start investing if you haven't already or if you don't have a large chunk of money to put in at once.


Automatic roundups: When you link your bank account or credit card to this service, you can set it to automatically round up each purchase you make to the next highest dollar amount and invest the difference. That way, you can continuously contribute to your account without having to think about it at all. And you also have the option of making manual contributions at any point, either as a supplement to or in place of the automatic draws.

Nice visuals: This app also includes a nice set of interactive graphic displays that let you see how your money is invested and how it will grow differently based on your monthly contributions. Adjustments only require you to slide your finger along the screen, and the visuals are helpful when you're trying to understand where the money you're putting into this program is actually going.


No auto lock: While you do have to create both a log-in with a password and a PIN for this app, it does not automatically lock when you leave it to go to another app. The only time it requires you to enter your PIN is if your phone shuts off after being idle for a while, and you then turn it on again. There is no way to adjust these security preferences either, and it seems like a substantial oversight when so much of your sensitive information is stored in the app.

Bottom Line

Acorns is a convenient and intuitive way to begin investing for the future. Since there is no minimum contribution or balance required, it's great for people on a limited income who can't meet the minimum initial contribution requirements for larger funds. There are some fees associated with the service, and they include a $1 per month charge, as well as an annual fee of 0.5 percent for your first $5,000, and another 0.25 percent for anything over that amount. The app itself is free.

Full Specifications

What's new in version 1.0.1


Release August 26, 2014
Date Added August 26, 2014
Version 1.0.1

Operating Systems

Operating Systems iOS
Additional Requirements None


Total Downloads 84
Downloads Last Week 0
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Developer's Description

Acorns is an app, FREE to download, that invests your spare change from everyday transactions into your very own diversified portfolio. You can easily get started in minutes: anytime, anywhere.

Intelligent Investing

A simple and intelligent automatic investment system not only helps you invest regularly but also optimizes your investment through diversification and automatic rebalancing. In other words, we buy low and sell high without you having to keep an eye on things.

Bank Level Security

Your peace of mind is our highest priority. Acorns protects your information, prevents unauthorized account access, and notifies you of unusual activity.

Low Fees

No commissions, ever. It's always free to move your money into and out of Acorns. Using Acorns for a year costs less than what most traditional brokerages charge for just two trades.

*Once you invest, Acorns will charge $1 per month. Acorns also charges a management fee ranging from .25%-.5% per year of total assets in your account.