Alternatives

Acorns alternatives in 2026

Updated Oct 24, 2026

AcornsInvesting app

Acorns is an investing app. Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month. We checked that on Oct 24, 2026. Below are 4 other apps, starting with the other investing app and then savings accounts and banking apps. They're ranked by how close each app's category is to Acorns's, not by how good it is, and every fact shows the date we checked it.

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Short answer

The closest alternatives to Acorns are Bloom, Ally and SoFi, because Bloom is also an investing app and Ally and SoFi are savings accounts. Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month. We checked Acorns on Oct 24, 2026, and every card below shows its own dates.

Alternatives to Acorns, closest category first

Each card puts the app's facts next to Acorns's. The order follows how close the category is, not how good the app is, and “Not verified yet” means we don't have a current official source for that line.

Other investing apps

Bloom
Investing app
Same category
Bloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.
Price and fees
BloomBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faq
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
APY or rate
BloomNot verified yet.
AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
Platforms
BloomBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com
AcornsNot verified yet.
App store rating
BloomBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing
AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing

Savings accounts

Ally Bank Savings
Savings account
Nearby category
Ally Bank's online savings account pays a variable rate and includes savings buckets, round ups and recurring transfers.
Price and fees
AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
APY or rate
AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
Platforms
AllyNot verified yet.
AcornsNot verified yet.
App store rating
AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Ally lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Ally lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- See Acorns and Ally side by side
- Read our Ally Bank Savings review
SoFi Checking and Savings
Savings account
Nearby category
SoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.
Price and fees
SoFiNot verified yet.
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
APY or rate
SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 24, 2026. Source: sofi.com/legal/banking-rate-sheet
AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
Platforms
SoFiNot verified yet.
AcornsNot verified yet.
App store rating
SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings.As of Oct 24, 2026. Source: App Store listing
AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- SoFi lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- See Acorns and SoFi side by side
- Read our SoFi Checking and Savings review

Banking apps

Chime
Banking app
Nearby category
Chime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.
Price and fees
ChimeChime says its savings account has no fees, and you need an active Chime Checking Account to open one.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
APY or rate
ChimeChime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable.Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
Platforms
ChimeNot verified yet.
AcornsNot verified yet.
App store rating
ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing
AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Chime lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Chime lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- See Acorns and Chime side by side

What real users say

These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

What Acorns users say

Based on 500 App Store reviews, 3 Reddit posts and 1 YouTube video dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

Of the 504 reviews, posts and videos we read, 78 mention the price, fees or the subscription.
Of the 504 reviews, posts and videos we read, 75 mention how easy or hard the app is to use.
Of the 504 reviews, posts and videos we read, 52 mention deposits, transfers or getting paid.

Positive

“Great investing app for beginners. Acorns makes saving and investing simple with automatic deposits and round-ups.”

App Store reviewer on the App Store, Jul 7, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Positive

“Acorns. I love that app. I have it set to like $20 a week and then 3x round up...”

u/Yikes_big_oof in r/budget on Reddit, Oct 23, 2026. Read it on Reddit.

Critical

“This place just kept charging me a monthly fee even though the account had been closed.”

App Store reviewer on the App Store, Mar 31, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Where these come from

Acorns reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
Hacker News search for Acorns, read Oct 24, 2026. Public search of comments and posts. 5 named the app; we kept 0 where the writer shares their own use of it.
Reddit search for Acorns, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Acorns app", posts and comments from after Oct 24 2025. It returned 84, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
YouTube search for Acorns, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Acorns app review" from the past year, up to 8 videos. It returned 7. We kept 1 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
u/Yikes_big_oof in r/budget on Reddit, Oct 23, 2026.
u/LewisRyan in r/acorns on Reddit, Oct 21, 2026.
u/DAT4korrupt in r/povertyfinance on Reddit, Oct 12, 2026.
"I'm Leaving Acorns Investing..." by Keep Going on YouTube, Nov 12, 2025.

FAQ

What are the closest alternatives to Acorns?

The closest alternatives to Acorns are Bloom, Ally and SoFi, because Bloom is also an investing app and Ally and SoFi are savings accounts. This list is ordered by how close each app's category is to Acorns's, not by how good it is.

How much does Acorns cost?

Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month. We checked this on Oct 24, 2026.

What APY does Acorns list?

Acorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. Acorns says the rate is variable. Acorns says there is no minimum opening deposit or minimum balance for these accounts. We checked this on Oct 24, 2026.

What is Acorns's app store rating?

Acorns has 4.7 out of 5 on the App Store from 959,943 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Another option: Fifecta

If none of these feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

Try Fifecta free

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Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Want a plan built on your Money Type?

Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.