Acorns is a US micro-investing app that rounds up purchases and invests spare change in ETF portfolios. Acorns Advisers, LLC is an SEC-registered investment adviser.
Best Robo-Advisors (2026)
Robo-advisors manage your investments automatically: you answer questions about goals and risk tolerance, and the platform builds, rebalances, and maintains a diversified portfolio for a fraction of what a human advisor charges. We track 11 services, including established names like Betterment, comparing management fees, account minimums, portfolio construction, and extras such as tax-loss harvesting and access to human advisors for trickier questions. The fee gap compounds brutally — 0.25% versus 1% a year is an enormous difference over a multi-decade horizon, which is why costs deserve more of your attention than past-performance charts. Most services invest in low-cost ETFs, rebalance on a schedule, and reinvest dividends without you lifting a finger; the differentiators are the fee, the tax features, and whether you can talk to a person when life gets complicated. None of this is investment advice — a directory can compare costs and features honestly, but your asset allocation should reflect your own goals, timeline, and tolerance for volatility. Where we couldn't verify a fee or minimum, it's blank, not estimated, and we'd rather show an incomplete row than a confident-sounding fiction.
Betterment is a US robo-advisor offering automated, goal-based investing in low-cost ETFs with tax-loss harvesting. Betterment LLC is an SEC-registered investment adviser.
Ellevest is a US investing platform designed around women's financial lives, offering automated investing and financial planning. Advisory services are provided by an SEC-registered investment adviser.
Empower (formerly Personal Capital) offers digital wealth management with human advisors for larger balances, plus free financial planning tools. Empower Advisory Group, LLC is a registered investment adviser.
Fidelity Go is Fidelity's robo-advisor, offering automated investing with no advisory fee on balances under $25,000. It is offered by Fidelity's registered investment adviser entities.
Schwab Intelligent Portfolios is Charles Schwab's automated investing service with no advisory fees. It is offered through Charles Schwab & Co., Inc. and Charles Schwab Investment Management.
SigFig is a digital wealth platform that powers robo-advisory services for banks and offers direct-to-consumer managed portfolios. SigFig Wealth Management, LLC is an SEC-registered investment adviser.
SoFi Automated Investing is SoFi's robo-advisor, building and rebalancing ETF portfolios automatically. It is offered by SoFi Wealth LLC, an SEC-registered investment adviser.
Stash is a US investing app for beginners, offering fractional shares, automated investing, and banking in one subscription. Stash Capital LLC is an SEC-registered investment adviser.
Vanguard Digital Advisor is Vanguard's automated investing service built on low-cost Vanguard funds. It is offered by Vanguard Advisers, Inc., a registered investment adviser.
Wealthfront is a US robo-advisor offering automated investing, tax-loss harvesting, and high-yield cash accounts. Wealthfront Advisers LLC is an SEC-registered investment adviser.
Frequently asked questions
How much do robo-advisors charge?
Most charge 0.25%–0.50% of assets per year, versus ~1% for traditional human advisors. Compare management fees plus any fund expense ratios — both eat into returns.
Are robo-advisors good for beginners?
They're often a strong fit: low minimums, automatic diversification, and rebalancing without you having to learn portfolio theory first.
What is tax-loss harvesting?
Selling investments at a loss to offset gains elsewhere, then replacing them — some robo-advisors automate this. It can improve after-tax returns but the benefit depends on your tax situation.