AIAI Fintech Tools

Wealthfront vs Acorns

Wealthfront charges a percentage of invested assets. Acorns charges a flat monthly fee and includes Round-Ups in every plan.

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WealthfrontAcorns
PricingAutomated Investing 0.25%/year, $500 minimum; Cash Account no account fees, $1 to openBronze $4/month, Silver $8/month, Gold $12/month
Free optionNo management fee on Cash AccountNone
PlatformsWeb and mobile appsWeb and mobile apps
Best forHands-off investors who also want a high-yield cash account.Beginners who like automatic micro-investing through round-ups.
Pricing noteCash Account base APY shown on the official site is 3.55% (October 2026) and can change.Round-Ups are included in all plans and transfer once pending round-ups reach $5.
Pros
  • Transparent flat 0.25% fee
  • Cash Account with no account fees
  • $500 minimum to start investing
  • Round-Ups included in every plan
  • Simple automatic investing habit
  • Tiered plans
Cons
  • Variable APY can change
  • Advisory fee applies to invested assets
  • Flat monthly fee can weigh heavily on small balances
  • Key features sit in higher tiers
Visit Wealthfront →Visit Acorns →

The short version

Wealthfront's Automated Investing costs 0.25% a year with a $500 minimum. Acorns costs $4, $8 or $12 a month by plan. As an illustration only (plan or advisory fees, not fund costs, and the plans do not have identical features): $4/month is $48/year, which equals 0.25% of a $19,200 balance, so a flat fee weighs more on small balances. Wealthfront also offers a Cash Account; Acorns is built around automatic Round-Ups.

Pricing checked October 15, 2026. Confirm on official sites.