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Acorns: Invest Spare Change app for iPhone and iPad

4.4 ( 304 ratings )
Productivity Finance
Developer: Acorns
Current version: 2.4.7, last update: 6 months ago
First release : 26 Aug 2014
App size: 117.77 Mb

Invest as little as $5 into more than 7,000 stocks & bonds. With Acorns, it’s simple and secure to invest in your future, automatically. In fact, more than 2 million people are doing it! It only takes a few minutes to sign up. Ready to grow your oak?

○ Painlessly invest your spare change into a diversified portfolio of ETFs of over 7,000 stocks and bonds automatically
○ Easily invest more - with Recurring Investments (daily/weekly/monthly), One-Time Investments, Referrals, and Found Money!
○ Watch your progress – check in on your account from anywhere
○ SIPC Protected – up to $500,000 is protected against fraud so your money is secure
○ Stay educated – Gain access to our online personal finance publication, Grow Magazine
○ Withdraw anytime – at no charge.


FORBES: “The app makes investing effortless.”[1]

ABC NEWS: “If you set aside just $5 every couple of days you would have set aside $1,000 in a year.”[2]

WIRED: “Acorns simplified the often tedious and complex process of investing.”[3]

US NEWS: “Acorns offers a unique solution to overcoming the mental barrier: ‘I just don’t have enough money to be investing.’”[4]

○ 256-bit encryption to keep your information safe and secure
○ Automatically rebalances your portfolio
○ Automatically re-invests your dividends for you
○ Diversified Portfolio includes hundreds of international companies, corporate and government bonds, and real estate.

Acorns costs $1 per month for accounts investing less than $5,000. After your account grows past $5,000, the fee switches to 0.25% per year (@$5,000 that’s about $1 a month). That’s like 3 semi-fancy cups of coffee (you know you do it) a year, just to invest in your future.

In order for Acorns to invest your spare change from purchases, which is part of why we charge $1 per month, you will need to connect a bank account. Worry not - weve got 256-bit encryption. Thats a nerdy way of saying were as secure as the people you bank with. Now, stop reading and get invested.

This app is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, an SEC registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing involves risk and investments may lose value, including the loss of principal. Please consider your objectives and Acorns fees before investing. Past performance does not guarantee future results. “Acorns”, the Acorns logo and “Invest the Change” are registered trademarks of Acorns Grow, Inc. Copyright © 2016 Acorns and/or its affiliates.

Information about FINRA is available at Explanatory brochures about SIPC protection are available upon request or at


Pros and cons of Acorns: Invest Spare Change app for iPhone and iPad

Acorns: Invest Spare Change app good for

Started using Acorns last year and have thoroughly enjoyed the ease of saving my change. Another benefit has been how easy and user friendly it has been. I would highly recommend getting started!
Ive only just reached investor status but this app makes investing so easy. I feel good about putting tiny sums away rather than great big chunks of cash probably a hold over from my piggy bank days. Keep up the great work Acorns!
Nice way to add up small savings and change. Would be nice if they added more controls to select view modify the portfolio.
You cant be wealthy until you learn how to make your money work harder than you do. Acorns is one of the simply ways I recommend people use to get started with investing. Answer a few questions and Acorns sets up a bunch of accounts covering stocks bonds etc. the best part, start with five bucks, use round ups to get the spare change out of you bank account and invest that too. Got room to automate? Acorns does that do with regular transfers your accounts starts growing almost like magic.
I really like what there doing here. Great idea for beginner investors, since it is diverse portfolios you are investing in, you wont always win, but I havent lost much money. My thoughts for now
With little investment experience I have found this to be very easy to set aside money without really having to think about it. Well done!

Some bad moments

I started to sign up but stopped when I saw the user agreement which requires binding arbitration and robs you of your rights to sue.
It wants your social security no? Which is illegal to ask in MA! And it wants access to my bank account! Not even going there! With a lot of online Fraud I hearing about, I not letting anybody or anyone near my $$$ access! I got a great financial broker I using (did my homework), but this app, wants to access your valuable information? Right!! Anybody want to buy some swamp land I got in Maine?
This new update featuring "Found Money" is creepy. I dont want to open up my investment account and be asked how I can have "brands" invest in me. This isnt a shopping app, and I hate that this new menu tab is always there. It makes me really reconsider what the hell kind of company Acorns wants to be and whether I feel comfortable investing in them. These gimmicks in hopes itll provide a quick payday is doing great damage to your own "brand".
Its a great app which teaches you how to invest and save while you dont even realize it
I recommend to my friends all the time, it really is a great tool for set and forget investing. A great passive investing set for the masses, the app is great and looks great, and wish this firm continued success in building this out. Only recommendation is bring the fee component more central as part of the calculation even more transparently. I think as an investor Im fine with paying a fee for a service, but if you incorporate fees into the main screens or remind customers when they buy of the monthly fee and structure it will only serve to make customers appreciate that transparency. Its not hefty for the small investor, but if you set and forget you may lose track of the cost of investing too. Very important to get those reminders / have that awareness.
I have been using Acorn for about 8 months and I LOVE it!! Its incredible how quickly I am saving money. So simple to use and very easy to get your money when you need to withdraw. Highly recommend.

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