A curated selection of leading micro-investing applications that round up everyday purchases to invest the difference, making it effortless for beginners to build wealth without manual tracking.
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One of the most popular micro-investing platforms, Acorns rounds up debit and credit card purchases to the nearest dollar and invests the spare change into diversified ETF portfolios. It also offers 'FindGood' to round up for charity and educational content for financial literacy.
Stash allows users to invest in fractional shares of stocks and ETFs starting with as little as $5. It provides personalized investment ideas and tracks your net worth in real-time, while also offering banking features like cash management and credit building tools.
CherryInvest is a UK-based platform that automatically rounds up spending to the nearest pound and invests the spare change into a portfolio managed by fund managers. It supports regular savings plans and offers a mobile app that tracks progress and explains investment performance.
M1 Finance combines investing and lending in one platform, allowing users to create custom 'Pies' of stocks and ETFs. Its round-up feature automatically invests spare change into your designated pies, and it offers no-fee trading with fractional shares for precise portfolio allocation.
SoFi offers commission-free trading and automatic round-ups from linked checking accounts to invest in fractional shares. It integrates wealth management features like student loan refinancing and personal loans, providing a comprehensive financial ecosystem for users seeking diversified growth.
While known for commission-free stock trading, Robinhood offers a cash sweep feature that automatically deposits uninvested cash into FDIC-insured bank accounts. It also allows fractional share purchases, enabling users to invest small amounts into high-priced stocks efficiently.
Public is a social investing platform that allows fractional share purchases and automatic round-ups from linked bank accounts. It emphasizes community and education, offering a clean interface for buying stocks, ETFs, and crypto without commissions or account fees.
Although primarily a robo-advisor, Wealthfront offers a checking account with automatic round-ups to its cash management or investment accounts. It provides automated rebalancing, tax-loss harvesting, and goal-based planning, making it suitable for users who want automated growth alongside micro-saving.
Betterment is a leading robo-advisor that offers automatic round-ups from linked checking accounts to your investment portfolio. It focuses on long-term wealth building with tax-efficient strategies, goal-based planning, and personalized advice from human financial planners.
Fundrise specializes in real estate crowdfunding, allowing users to invest small amounts in diversified real estate portfolios. While not a traditional round-up app, it enables micro-investing in real estate assets with low minimums, offering an alternative to stock market volatility.
Stable helps users save and invest by tracking subscriptions and unused funds, then automatically moving spare cash into investment portfolios. It offers features to optimize savings by identifying recurring expenses and converting idle funds into low-risk or diversified investment options.
Qapital focuses on behavioral savings, allowing users to set up custom rules for saving based on habits, such as saving on coffee days or round-ups. It integrates with investment partners to automatically invest saved amounts, bridging the gap between saving and investing.
Digit analyzes spending patterns to automatically transfer small, affordable amounts from checking to savings. While primarily a savings tool, it offers partnerships with investment platforms to help users move from saving to investing, making it a useful first step for micro-investors.
Chime is a neobank that offers automatic savings features like 'Round Up,' which rounds up debit transactions to the nearest dollar and transfers the difference to a savings account. It provides a simple entry point for users looking to accumulate savings before transferring to investment accounts.
Varo offers a round-up feature that automatically invests spare change from debit transactions into a brokerage account powered by Robinhood. It combines banking services with micro-investing, allowing users to save and grow their money without separate subscriptions or complex setups.
Ally Invest allows users to set up automatic transfers from their Ally Bank accounts to invest in stocks and ETFs. While not strictly a round-up app, its automated recurring investment feature enables disciplined micro-investing with low minimums and a user-friendly digital interface.
Schwab's platform offers automated investing tools and round-up capabilities for those linking external banks. It provides access to commission-free trading, fractional shares, and extensive research, making it a robust option for users transitioning from micro-investing to broader portfolio management.
Fidelity Go is a robo-advisor service that allows automatic investments with no account fees. Users can link external accounts and set up automatic round-ups or recurring deposits to build a diversified portfolio of ETFs, suitable for hands-off investors seeking low costs.
Kiva allows users to lend as little as $25 to entrepreneurs and students worldwide. While not an investment for profit, it offers a micro-investing alternative where users can allocate spare change to support global economic development and receive loan repayments.
Mintos is a peer-to-peer lending platform that allows users to invest small amounts in loans from various borrowers. It offers an automatic investment tool that distributes spare cash across multiple loans to diversify risk, providing an alternative asset class for micro-investors.