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What is Acorns and how does it work?

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

Acorns Lite - $1/month

Get your personal investment account, built by experts, to invest spare change automatically, invest more every day, earn bonus investments, and grow your knowledge. 

Acorns Personal - $3/month

Our most popular tier, Acorns Personal unlocks our financial wellness system. Get everything that comes with Lite, plus Acorns Later, our retirement account, and Acorns Spend, the only checking account that helps you save and invest every day. 


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 the right plan for you based on your goals, employment and income.

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

Check out this video for more about how Acorns works.

About 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 Funding Source, or personal bank 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 anytime. Your portfolio recommendation is designed to maximize your potential return for your selected level of risk.

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

What makes Acorns different?

Our five investment portfolios were designed to maximize your returns for your 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 Found Money 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 Spend, the only 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.

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