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The friend who referred you is a client of Acorns and will receive $5 for every successful referral. They also may receive cash compensation of up to $1400 for referring you to Acorns. To see terms specific to this week's offer and view your referrers potential compensation, as well as previous offer terms they may have participated in, visit Compensation provides an incentive for the client to recommend Acorns and therefore all opinions provided may be biased. Testimonials are not representative of the experience of all clients and are not guarantees of future performance or success. For a larger representative sample, refer to reviews of Acorns available online and on public review forums such as the Apple App Store and Google Play Store.

Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns -

Investing for the long-term wherever you are in life
Make investing easy
Make investing easy
Purple Checkmark Automatically invest spare change from everyday purchases
Purple Checkmark A checking account that saves and invests for you
Purple Checkmark Invest as little as your spare change or $5 a day/week/month
Aim for your goals
Aim for your goals
Purple Checkmark Invest in smart, expert-built portfolios customized to your long-term goals
Purple Checkmark Diversify through ETF portfolios, some with exposure to over 7,000 stocks and bonds
Purple Checkmark Give your money a chance to grow by harnessing potential compound returns
Maximize your growth
Maximize your growth
Purple Checkmark Set up Round-Ups®, automatic recurring contributions, and one-time deposits
Purple Checkmark Earn bonus investments as you shop at 14,000 brands with our browser extension and refer friends
Purple Checkmark Learn from the experts with smart money tips and tricks
What is Acorns?
Calculate your estimate

Compound Interest Calculator

Use the Acorns compound interest calculator to see how your money could potentially grow over time with the power of compounding.

The chart shows an estimate of how much an investment could grow over time based on the initial deposit, contribution schedule, time horizon, and interest rate specified.  Changes in those variables can affect the outcome.  Reset the calculator using different figures to show different scenarios.  Results do not predict the investment performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance.

Frequently asked

How does Acorns work?

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Acorns was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning ahead for your family’s future, we bundle our products, tools, and education into subscription tiers — each curated to meet you on whichever stage of life you’re in.


Acorns offers three different subscription tiers for your life’s financial needs.


Acorns Personal - $3/month

Investing tools and financial education to get started. This tier includes:

  • Invest
  • Later
  • Checking


Acorns Personal Plus - $6/month

Tools to learn, save and invest, plus live Q&A sessions with financial experts. This tier includes the previous tools, in addition:

  • Premium Education
  • Emergency Fund
  • Earn Rewards Match (eligible for an extra 25% match on bonus investments you earn up to $200.)
  • Mighty Oak Card


Acorns Premium - $12/month

Full suite of tools to save and invest for your family. This tier includes the previous tools, in addition:

  • Benefits Hub
  • Custom Portfolio
  • Early 
  • Earn Rewards Match (eligible for an extra 50% match on bonus investments you earn up to $200.)
  • Mighty Oak Card


    What are the different accounts in the tiers? 

    Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Your investments are then diversified across more than 7,000 stocks and bonds, and Acorns automatically rebalances your portfolio to stay in its target allocation.


    Later, the retirement account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app recommends an IRA account for you based on your goals, employment and income.


    With Acorns Checking, our checking account and debit card, you can save, invest and earn while you spend. Acorns Checking has no overdraft or minimum balance fees, plus free Allpoint ATM access nationwide.


    Round-Ups® and Investing

    With Round-Ups®, we round up any purchase made from a linked account, debit or credit card to the next dollar. We invest Round-Ups® in your Acorns Invest account when they add up to at least $5 from all linked accounts. You can find and manage your Round-Ups® within your Invest account.


    Round-Ups® will always be transferred from your primary checking account.


    Recurring Investments allow you to invest as little as $5 per day, week or month into your Acorns accounts.


    And you can make one-time investments anytime to boost your account value. When you create your profile, we'll suggest a portfolio based on your answers to a few questions, but you can change it at anytime. The portfolio recommendation is designed with the goal to maximize potential returns at a selected level of risk.


    Where do we invest it? The money in your Acorns Invest account is invested in different exchange-traded funds (ETFs). These funds include stocks, bonds and other securities. Read more about it at


    What makes Acorns different?

    Our 5 investment portfolios were designed with the goal to maximize potential returns at a selected level of risk. There are no account minimums and we don't work on commission. Our goal is to give you the tools to take the best financial care of yourself, easily.


    For our low monthly fee, you get: 

    • Diversified portfolios
    • Automatic rebalancing
    • Access to Acorns Earn partners to earn while you shop
    • On the go accessibility through our mobile and web app
    • Investment support from our dedicated support team
    • Access to Acorns Later, an easy way to save for retirement
    • Access to Acorns Checking, with a debit card that saves, invests and earns for you


    The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With Acorns, you can start early and invest often, without making big changes to your everyday life. In fact, you can start with as little as $5.

    What do I need to get started?

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    Once you download the Acorns app or sign up through our web app, you’ll need:


    1. A valid email address where we can reach you and regularly send you account information.
    2. Your online banking log-in information to link your accounts to fund your investments and use Round-Ups®. (Please note, you MUST be listed as an owner on the bank account)
    3. Your physical address - this should be your most permanent address since we can't accept a PO Box or business address. (Please note- you will be able to designate a different mailing address if needed)
    4. Your Social Security Number or ITIN.
    5. General Profile Information like your financial goals, occupation, and earnings. This will help us recommend the right portfolio for you.


    After signing up, you may also need to upload a photo of your government-issued ID or other documentation that allows us to verify your identity.


    That’s it! Most accounts are approved within 1 business day. If you experience a delay in getting your account approved, please reach out to Support.

    Where is my money invested?

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    Important Disclosures

    Welcome to the Acorns site, operated by Acorns Advisers, LLC ('Acorns'). If you register for an Acorns Account and start investing, we will credit a reward in the form of investments to your Acorns Account. You will not be charged for the cost of what we pay to obtain your account or any differential from the fees we charge clients who come to us on their own without being referred by a friend. The referral reward is subject to change at the firm's discretion. Limited time offer. Shares are purchased once your account is approved. To be eligible for the reward, you must use your friend’s personal invitation code to complete sign up. Acorns is only offered to US-residents who are 18 years of age or older. Acorns reserves the right to restrict or revoke this offer at any time. More information about Acorns Advisers is available in the wrap fee program brochure, and our customer relationship summary.

    13 Million all time investors and over $20 billion invested are aggregate results since inception as of 6/24/22, and are not reflective of current totals. App store star rating as of 12/20/23. For more information visit

    © 2024 Acorns

    Important Risk Disclosures

    Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled, view details in our program agreement. Investment advisory services offered by Acorns Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. Compounding is the process in which an asset's earnings are reinvested to generate additional earnings over time. It does not ensure positive performance nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

    Spare change invested with Round-Ups® is transferred from your linked funding source to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Round-Up investments from an external account, will be processed when your Pending Round-Ups reach or exceed $5. Acorns Invest is an individual investment account. Acorns Later is an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Invest and Later recommend a portfolio of ETFs (exchange traded funds) to clients, please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles.

    Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs.

    Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner.

    The average Acorns investor, with a verified and active account, has invested $166 between 1/1/21 and 4/30/21 using the Round-Ups® feature. Individual results will vary and averages only take into account the Round-Ups® investments themselves and do not reflect the impact investment volatility will have on overall performance.

    Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

    For additional important risks, disclosures, and information, please visit

    © 2024 Acorns Grow Incorporated | Disclosures | Accessibility | Privacy | Your Privacy Choices

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