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Investing
Invest

Investment account


Later

Retirement


Early

Invest for kids


Sustainable

Sustainable ESG portfolios


Bits of Bitcoin New

Bitcoin ETF



Banking

Earning

Learning

Pricing

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Investing
Invest

Investment account

Later

Retirement

Early

Invest for kids

Sustainable

Sustainable ESG portfolios

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Bitcoin ETF

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ACORNS HELPS YOU SAVE & INVEST


INVEST SPARE CHANGE, INVEST WHILE YOU BANK, EARN BONUS INVESTMENTS, GROW YOUR
KNOWLEDGE AND MORE.

Get started

Acorns is not a bank. Acorns Visa™ debit cards are issued by Lincoln Savings
Bank or nbkc bank, Members FDIC for Acorns Checking account holders.
CALCULATE YOUR ESTIMATE


SEE YOUR POTENTIAL

Check out our compound interest calculator to see just how much the power of
time and compound interest can help your money grow.
Initial deposit
$
Contributions
$
Annual
Monthly
Weekly
Daily
Years to grow
 years

Average annual return
%
Calculate my estimate
Potential Future Balance:
$40,507
Created with Highcharts
11.1.0InvestmentReturn202320242025202620272028202920302031203220332034203520362037203820392040204120422043$0$12,000$24,000$36,000$48,000
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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.

SAY HELLO TO ACORNS
Save, invest and learn from one easy app
INVEST
LATER
EARLY
BANKING
BANKING
Banking that saves & invests for you
Save with no hidden fees, invest spare change in real-time with every swipe of
your Acorns debit card, and invest automatically from every paycheck
Get started
PERSONAL INVESTING
Easy, automated investing
Give your money a chance to work towards your financial goals with Round-Ups®,
expert-built, diversified portfolios, Recurring Investments, and more.
Get started
Investing for retirement
Later starts today
Invest for retirement with our easy Individual Retirement Accounts (IRAs) and
get potential tax advantages.
Get started
investing for kids
Early for kids
Time goes fast. Invest in the kids you love now. Start with $5 and give your
kids an easy, automated head start.
Get started
BANKING
Banking that saves & invests for you
Save with no hidden fees, invest spare change in real-time with every swipe of
your Acorns debit card, and invest automatically from every paycheck
Get started
PERSONAL INVESTING
Easy, automated investing
Give your money a chance to work towards your financial goals with Round-Ups®,
expert-built, diversified portfolios, Recurring Investments, and more.
Get started
Banking that saves & invests for you
Save with no hidden fees, invest spare change in real-time with every swipe of
your Acorns debit card, and invest automatically from every paycheck
Get started
Easy, automated investing
Give your money a chance to work towards your financial goals with Round-Ups®,
expert-built, diversified portfolios, Recurring Investments, and more.
Get started
Later starts today
Invest for retirement with our easy Individual Retirement Accounts (IRAs) and
get potential tax advantages.
Get started
Early for kids
Time goes fast. Invest in the kids you love now. Start with $5 and give your
kids an easy, automated head start.
Get started
Banking that saves & invests for you
Save with no hidden fees, invest spare change in real-time with every swipe of
your Acorns debit card, and invest automatically from every paycheck
Get started
Easy, automated investing
Give your money a chance to work towards your financial goals with Round-Ups®,
expert-built, diversified portfolios, Recurring Investments, and more.
Get started


A BETTER WAY TO INVEST


WHY ACORNS - WHY ACORNS - WHY ACORNS - WHY ACORNS - WHY ACORNS - WHY ACORNS -
WHY ACORNS - WHY ACORNS - WHY ACORNS - WHY ACORNS -

Automatically save and invest with Round-Ups® feature
Every purchase you make means an opportunity to invest your spare change! So
coffee for $3.25 becomes a $0.75 investment in your future.

Expert-built portfolios, suggested for you
Acorns diversified portfolios are built by experts and include ETFs managed by
pros at the world’s top investment firms like Vanguard and BlackRock.
Plus more ways to save, invest and learn
Along with your investment account, you get an easy, automated retirement
account, banking that saves and invests for you, bonus investments when you shop
with thousands of brands and unique ways to grow your knowledge.

Security & Protection
Acorns Invest, Later & Early accounts are SIPC-protected up to $500,000. SIPC
does not protect against market risk, which is the risk inherent in a
fluctuating market. For details, please visit www.sipc.org. Acorns checking
accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data
encryption, and all-digital card lock. Learn more about how FDIC protection
works at www.fdic.gov.


GIVE YOUR MONEY THE CHANCE TO WORK AS HARD AS YOU DO

Your Potential is a hypothetical tool that illustrates, how factors such as
Recurring Investments (amount and frequency), Round-Ups® investments, Smart
Deposit investments, and compound returns may impact the long-term value of an
Acorns Account. The tool uses a 6% hypothetical rate of return and hypothetical
age range dependent on age band selected by the user. Compounding is the process
in which an asset’s earnings are reinvested to generate additional earnings over
time. Acorns clients may not experience compound returns and investment results
will vary based on market volatility and fluctuating prices.
Harness the power of compounding
Money doesn’t grow on trees. But with compound returns, money can grow on
itself. It’s a long-term investing principle foundational to how Acorns can work
for you.
THE UP-AND-COMERS
Join 10 million all-time customers who’ve invested over
$250,000,000

“This simple investment app has millions of millennials saving every day”
- Fast Company
“Whether you are building a small play portfolio with spare change or have the
ability to go big, Acorns can help you get comfortable with the idea of
investing and build your portfolio.”
- Business Insider
“You think you need thousands of dollars to invest, it's for the rich
folks...not the case anymore because there's Acorns."
- Good Morning America
“Now that you have a new budget and have canceled some of your costly
subscriptions, it’s time to start investing. That might sound scary and
time-consuming, but for beginners like us, it doesn’t have to be. Meet the
Acorns app.”
- Yahoo Finance
“In a world saturated with trading apps and robo-advisors… Acorns is a threat.”
- Forbes
“Acorns is one of the top 25 tech companies to watch”
- WSJ
“Investing is one of the most effective ways to build wealth, and contrary to
popular belief, you don’t need a lot of money to get started thanks to Acorns”
- CNBC

A Plan for Everyone
All things investing, for the price of a latte
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.

That means no hidden costs or transaction fees — just one, transparent monthly
payment to take advantage of everything our financial wellness system has to
offer.
Not all features are available to all customers at this time. Please compare
subscription tiers during registration to see what is available to you. Acorns
is only available to US citizens or other lawful residents who are currently
located in the United States. You must be 18 or older to sign up for an Acorns
account.
Starts at $3/month
Join over 10 million all-time customers who have signed up for Acorns.
Sign up today
What’s included

Investing
•
Expert-built, diversified smart portfolio
•
Invest spare change from every purchase with Round-Ups®
•
Retirement account that auto-updates as you age
•
Automatically invest a piece of each paycheck
•
Set recurring investments starting at $5 a day, week, or month.
•
Invest in a Bitcoin-linked ETF, ESG portfolio, and more
Banking
•
All digital banking with no min. balance or overdraft fees
•
Personalized, laser engraved Acorns Visa™ debit card
•
Auto-save for rainy days with Emergency Fund
•
Get paid up to 2 days early with direct deposit
•
FDIC-insured up to $250,000 and fraud protection
•
Mobile check deposit, digital checks, and more
Family
•
Investment accounts for each of the kids in your life
•
Invite friends and family to invest in your kids’ futures
•
Potential tax advantages when investing for your kids
Bonus investments
•
Auto-earn up to 30% invested while you shop online
•
Earn for every friend you successfully invite to Acorns
•
Earn while shopping at 15,000+ brands
Grow your knowledge
•
Articles and tips for investors both experienced and new
•
Live Q&A sessions with financial experts
Not all features are available to all customers at this time. Please compare
subscription tiers during registration to see what is available to you. Acorns
is only available to US citizens or other lawful residents who are currently
located in the United States. You must be 18 or older to sign up for an Acorns
account.
Join the Movement

WE’RE CHANGING THE WAY AMERICANS SAVE & INVEST EVERY DAY

Sign up today

HAVE ANY QUESTIONS?

Contact support

PRODUCTS

Invest for your future Later starts today Earn extra money Early investors Bank
smarter

WHO WE ARE

About Careers Press Oak Trees Planted

WHY START NOW

Learn
Pricing Store Affiliates Legal Privacy Policy Your Privacy Choices

Important Disclosures
 
Investing involves risk, including loss of principal. Please consider, among
other important factors, your investment objectives, risk tolerance and Acorns’
pricing before investing. 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.
 
1. Round-Ups® investments are transferred from your linked funding source
(checking account) 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. Only purchases made
with Round-Up accounts linked to your Acorns account with the feature activated
are eligible for the Round- Ups® investment feature. Round-Up investments from
your funding source will be processed when your Pending Round-Ups® investments
reach or exceed $5. 
 

2. Acorns Checking Real-Time Round-Ups® invests small amounts of money from
purchases made using an Acorns Checking account into the client’s Acorns
Investment account. Requires both an active Acorns Checking account and an
Acorns Investment account in good standing. Real-Time Round-Ups® investments
accrue instantly for investment during the next trading window.

3. A properly suggested portfolio recommendation is dependent upon current and
accurate financial and risk profiles. Clients who have experienced changes to
their goals, financial circumstances, or investment objectives, or who wish to
modify their portfolio recommendation, should promptly update their information
in the Acorns app or through the website.

4. 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,
Incorporated into your Acorns Invest account through a partnership Acorns Grow
maintains with each Acorns Earn partner. Acorns may receive compensation from
business partners in connection with certain promotions in which Acorns refers
clients to such partners for the purchase of non-investment consumer products or
services. This type of marketing partnership gives Acorns an incentive to refer
clients to business partners instead of to businesses that are not partners of
Acorns. This conflict of interest affects the ability of Acorns to provide
clients with unbiased, objective promotions concerning the products and services
of its business partners. This could mean that the products and/or services of
other businesses, that do not compensate Acorns, may be more appropriate for a
client than the products and/or services of Acorns business partners.
Subscribers are, however, not required to purchase the products and services
Acorns promotes.

5. Acorns Subscription Fees are assessed based on the tier of services in which
you are enrolled. Acorns does not charge transactional fees, commissions or fees
based on assets for accounts under $1 million. Acorns may receive compensation
from business partners in connection with certain promotions in which Acorns
refers clients to such partners for the purchase of non-investment consumer
products or services. This type of marketing partnership gives Acorns an
incentive to refer clients to business partners instead of to businesses that
are not partners of Acorns. This conflict of interest affects the ability of
Acorns to provide clients with unbiased, objective promotions concerning the
products and services of its business partners. This could mean that the
products and/or services of other businesses, that do not compensate Acorns, may
be more appropriate for a client than the products and/or services of Acorns
business partners. Subscribers are, however, not required to purchase the
products and services Acorns promotes.

6. 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. Please see your Acorns Subscription Center or
Account Statements for a description of the fees you pay to Acorns for its
services. Any balances you hold with Lincoln Savings Bank or nbkc bank,
including but not limited to those balances held in Acorns Checking accounts are
added together and are insured up to $250,000 per depositor through Lincoln
Savings Bank or nbkc bank, Members FDIC. If you have funds jointly owned, these
funds would be separately insured for up to $250,000 for each joint account
owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service,
which means that at any given time, all, none, or a portion of the funds in your
Acorns Checking accounts may be placed into and held beneficially in your name
at other depository institutions which are insured by the Federal Deposit
Insurance Corporation (FDIC). For a complete list of other depository
institutions where funds may be placed, please visit
https://www.cambr.com/bank-list. Balances moved to network banks are eligible
for FDIC insurance once the funds arrive at a network bank. To learn more about
pass-through deposit insurance applicable to your account, please see the
Account Documentation. Additional information on FDIC insurance can be found
at https://www.fdic.gov/resources/deposit-insurance/.

7. Early Payday depends on the timing of the submission of the payment file from
the payer and fraud prevention restrictions. Funds are generally available on
the day the payment file is received, up to 2 days earlier than the scheduled
payment date. Timing may vary. 

8. The ETFs comprising the portfolios charge fees and expenses that will reduce
a client’s return. Investors should consider the investment objectives, risks,
charges and expenses of the funds carefully before investing. Investment
policies, management fees and other information can be found in the individual
ETF’s prospectus. Please read each prospectus carefully before investing.

9. Acorns does not provide access to invest directly in Bitcoin. Bitcoin
exposure is provided through the ETF BITO, which invests in Bitcoin futures.
This is considered a high-risk investment given the speculative and volatile
nature. Investments in Bitcoin ETFs may not be appropriate for all investors and
should only be utilized by those who understand and accept those risks.
Investors seeking direct exposure to the price of bitcoin should consider a
different investment. 

10. The ESG (Environmental, social, and governance) investment strategies may
limit the types and number of investment opportunities available, as a result,
the portfolio may underperform others that do not have an ESG focus. Companies
selected for inclusion in the portfolio may not exhibit positive or favorable
ESG characteristics at all times and may shift into and out of favor depending
on market and economic conditions. Environmental criteria considers how a
company performs as a steward of nature. Social criteria examine how it manages
relationships with employees, suppliers, customers, and the communities where it
operates. Governance deals with a company’s leadership, executive pay, audits,
internal controls, and shareholder rights.

11. Invest, an individual investment account which invests in a portfolio of
ETFs (exchange traded funds) recommended to clients based on their investment
objectives, time horizon, and risk tolerance. 

12. Later, an Individual Retirement Account (either Traditional, ROTH or SEP
IRA) selected for clients based on their answers to a suitability questionnaire.
Please consult your tax advisor with any questions.

13. Early, an UTMA/UGMA investment account managed by an adult custodian until
the minor beneficiary comes of age, at which point they assume control of the
account. Money in a custodial account is the property of the minor. 

14. Custom Portfolios are non-discretionary investment advisory accounts,
managed by the customer. Custom Portfolios are not available as a stand alone
account and clients must have an Acorns Invest account. Custom portfolios are
not instant trading. Clients wanting more control over order placement and
execution may need to consider alternative investment platforms before adding a
Custom portfolio account.

15. The Acorns Premium GoHenry Benefit is available only to Acorns subscribers
who subscribe to the Acorns Premium Tier and is for the monthly GoHenry Child or
Family Plan Membership Fee, subject to these Waiver Terms. You will remain
responsible for any other fees that you owe under the GoHenry Cardholder Terms
and Conditions that are not included in the monthly GoHenry Child or Family Plan
Membership Fee, as applicable.

16. The GoHenry card is issued by Community Federal Savings Bank, member FDIC,
pursuant to a license by Mastercard International.

17. It is not possible to invest directly in an index. Past performance is no
guarantee of future results.  

18. Acorns reserves the right to restrict or revoke any and all offers at any
time.

19. Compounding is the process in which an asset’s earning from either capital
gains or interest 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. 

20. Diversification and asset allocation do not guarantee a profit, nor do they
eliminate the risk of loss of principal.

21. App rating references the combined all-time star rating received in Google
Play and Apple App Store.

22. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns
Real-Time Round-Ups® investment feature to seamlessly invest small amounts of
money from purchases using an Acorns investment account.

23. The information contained on this website should not considered an offer,
solicitation of an offer or advice to buy or sell any security or investment
product. The information should not be construed as tax or legal advice. Please
consult your tax advisor with any questions.

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 https://www.acorns.com/terms/
 
© 2023 Acorns Grow Incorporated | Disclosures | Accessibility
Acorns
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