Best Robo-Advisors & Automated Investing Apps (2026)
Robo-advisors automate portfolio management for a fee. The fee model differs: Wealthfront and Betterment charge a percentage of assets, while Acorns charges a flat monthly plan. This is general information, not investment advice.
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Quick picks by use case
Not a ranking: these are use-case picks based on the facts below.
1
Low fee, cash account
Visit →Wealthfront
0.25% annual fee, $500 minimum, plus a Cash Account with no account fees.
2
Advisor access option
Visit →Betterment
Digital 0.25% (with $200+/month deposits or $24,000+; otherwise $5/month); Premium 0.65% with advisor access at $100,000.
4
Flat fee + AI advisor
Visit →Origin Financial
$99/year after a $1 first year, with index investing and no AUM fees.
Side-by-side
| Tool | Pricing | Free option | Best for |
|---|---|---|---|
| Wealthfront | Automated Investing 0.25%/year, $500 minimum; Cash Account no account fees, $1 to open | No management fee on Cash Account | Hands-off investors who also want a high-yield cash account. |
| Betterment | Digital 0.25%/year (with $200+/month recurring deposits or $24,000+ balance; otherwise $5/month); Premium 0.65%/year ($100,000 minimum) | None | Long-term investors who want automation, with an option to add advisor access later. |
| Acorns | Bronze $4/month, Silver $8/month, Gold $12/month | None | Beginners who like automatic micro-investing through round-ups. |
| Origin Financial | $1 for the first year, then $99/year | $1 first year | People who want budgeting, investing and AI guidance under one flat subscription. |
Pricing checked October 15, 2026. Plans change; confirm on the official site.