Acorns Review 2025: Is This Investing App Worth It?

easy way to invest spare change and grow your wealth, Acorns might be the right app for you. In this Acorns Review 2025, we'll cover its features, fees, pros, cons, and whether it's worth using this year.

What Is Acorns?

Acorns is a micro-investing app that helps beginners automate investing by rounding up spare change from everyday purchases and investing it in a diversified portfolio. Since its launch in 2014, Acorns has expanded to include banking, retirement accounts, and early investment options for kids.

Key Features of Acorns in 2025

✅ Round-Ups Investing

Acorns automatically rounds up your purchases to the nearest dollar and invests the difference. For example, if you spend $4.50 on coffee, Acorns rounds it up to $5.00 and invests the extra $0.50.

✅ Automated Portfolio Management

Your money is invested in diversified ETFs (Exchange-Traded Funds) managed by BlackRock and Vanguard, based on your risk level (Conservative, Moderate, or Aggressive).

✅ Acorns Checking & Debit Card

With Acorns Checking, you get a fee-free debit card that integrates with your investment account and allows for Round-Ups in real time.

✅ Retirement & Kids' Accounts

Acorns Later: A tax-advantaged IRA account (Traditional, Roth, SEP).

Acorns Early: An investment account for kids to build long-term wealth.

CLAIM $20 INVESTING BONUS

✅ Earn Rewards (Acorns Earn)

Get cashback when you shop with 350+ brands, including Walmart, Nike, and Apple. This cashback is automatically invested into your portfolio.

Acorns Fees & Pricing (2025 Update)

Acorns offers three pricing plans:

Compared to traditional brokers, Acorns' flat monthly fee can be costly for small accounts, but it's great for those investing consistently.

Pros & Cons of Acorns in 2025

✅ Pros:

✔ Easy to use – Perfect for beginners.

✔ Automates investing – Set it and forget it.

✔ Diversified portfolio – Managed by experts.

✔ Cashback rewards – Earn while you spend.

✔ Retirement & kids' options – Long-term wealth building.

❌ Cons:

❌ Monthly fees – Can be high for small balances.

❌ Limited stock choices – No individual stock picking.

❌ Slow growth – Not ideal for active traders.

Is Acorns Worth It in 2025?

Acorns is best for beginners who want to invest effortlessly without worrying about stock picking. If you have at least $1,000 invested, the $3/month fee becomes reasonable. However, if you prefer more control over investments, other options like Robinhood or M1 Finance may be better.

Who Should Use Acorns?

✅ Beginners who want hands-free investing

✅ People who want to automate savings & investing

✅ Those looking for cashback rewards from spending

Who Should Avoid Acorns?

❌ Active investors who want to trade stocks or crypto

❌ Those with less than $100 in savings (fees may be too high)

Final opinion:  Acorns Review 2025

Acorns remains one of the best micro-investing apps in 2025. With its Round-Ups, automated portfolios, and cashback rewards, it’s a great set-it-and-forget-it solution for beginner investors. However, fees can be high for those with small balances.

👉 My Recommendations: If you’re looking for a simple way to invest and grow wealth, Acorns is worth trying in 2025.

Rating: ⭐⭐⭐⭐☆ (4.5/5)

FAQs About Acorns in 2025

1. Is Acorns legit and safe?

Yes, Acorns is SEC-registered and SIPC-insured (up to $500,000). Your investments are secure.

2. How much should I invest with Acorns?

Start with at least $100 to $1,000 to make the monthly fee worth it.

3. Can you withdraw money from Acorns?

Yes, you can withdraw funds anytime, but it may take 3-5 business days to process.

4. What is the best alternative to Acorns?

If you want no fees, try M1 Finance. If you prefer stock trading, Robinhood is a better choice.

Start Investing with Acorns Today!