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Investing comparison

Acorns vs Bloom

Updated

Acorns checked Bloom checked

Acorns logo

Acorns

Investing app

Visit site for Acorns (opens in a new tab)
Official images, as of Oct 25, 2026
Acorns Emergency Savings account on Android
Acorns App Store image of Emergency Savings
Acorns App Store image of a projection chart
Bloom logo

Bloom

Investing app

Visit site for Bloom (opens in a new tab)
Official images, as of Oct 25, 2026
Bloom portfolio chart with question chips
Bloom App Store image of investing potential
Bloom App Store image of the Bloomie chat

Acorns and Bloom are both subscription apps for new investors. Acorns automates investing for you, and Bloom teaches you to invest while you do it.

Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.

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

Our take

Pick Acorns if you want investing to run in the background with Round-Ups and a retirement account, and pick Bloom if you want lessons on how investing works next to your investing account, including accounts for teens.

Priceless Tay

Short answer

Acorns picks a diversified portfolio for you and invests small amounts automatically, including spare change from Round-Ups. Bloom pairs lessons, games and an AI helper with an investing account, and it works for teens with a parent's sponsorship. Choose Acorns for automation, and Bloom to build your skills.

Acorns vs Bloom at a glance

  • Acorns logoAcorns

    Price
    $4a month
    Rating
    4.7 of 5App Store, 960,036 ratings
    Platforms
    2Mobile app, Web app
  • Bloom logoBloom

    Price
    $15a month
    Rating
    4.8 of 5App Store, 46,600 ratings
    Platforms
    2iOS, Android

What it costs

  • Acorns logoAcornsLower price

    $4a month

    Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.

    Sourceacorns.com/pricing, checked .
  • Bloom logoBloom

    $15a month

    Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.

    $99.99 a year at the yearly list price, or $299.97 over 3 years, before tax.

    Sourcebloomapp.com/faq, checked .

Bars show only when every app here lists a yearly price, so these prices sit side by side without them. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.

Features

Bloom also lists AI features.

Sources for these features

Yes means the official site lists it. No means the official site says the app doesn't have it.

Acorns and Bloom, side by side

Acorns and Bloom compared. Each value's source and the date we checked it open from its Source link.
Management or subscription feeDiffers
AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.
Sourceacorns.com/pricing, checked .
BloomBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.
Sourcebloomapp.com/faq, checked .
Account minimumDiffers
AcornsAcorns' Form ADV wrap fee brochure says there is no minimum account size, and most clients can begin investing with as little as $5.Clients using real-time Round-Ups through Acorns' banking partners may begin investing with less than $5.
Sourcesqy7rm.media.zestyio.com/Acorns-Wrap-Fee-Program-Brochure--August-2026-.pdf, checked .
BloomBloom has no minimum account balance, but deposits and stock orders must be at least $1.
Sourcebloomapp.com/faq, checked .
Stock and ETF commissionsDiffers
AcornsAcorns' home page says: No hidden fees. No commissions.
Sourceacorns.com, checked .
BloomBloom says you pay $0 commissions when you trade stocks and ETFs on Bloom.
SourceApp Store listing, checked .
Account typesDiffers
AcornsAcorns lists these account types: Investment account, IRA account and UGMA/UTMA.Also named on another official page: Roth IRA, Traditional IRA, SEP IRA.
Sourceacorns.com/later, checked .
Sourceacorns.com/pricing, checked .
BloomBloom lists these account types: Investing account and UTMA/UGMA custodial brokerage accounts for teens 13-17.
Sourcebloomapp.com/faq, checked .
Fractional sharesDiffers
AcornsAcorns' Form CRS says a Custom Portfolio lets customers invest a portion of their Acorns Invest Account in fractional shares of equity securities.Custom Portfolios are capped at up to 50% of the account's value based on the customer's risk profile, and the CRS lists them with the Gold plan.
Sourcesqy7rm.media.zestyio.com/Acorns-Securities-Acorns-Advisers-Form-CRS--August-2026-.pdf, checked .
BloomBloom's Form ADV brochure says the stocks, ETFs or crypto clients hold may be whole or fractional shares, and Bloom enables dollar-based investing.Fractional shares typically can't be transferred to another brokerage account; Bloom may convert them to cash on a transfer or liquidation.
Sourcefiles.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx, checked .
Automatic investingDiffers
AcornsAcorns says it puts investing on autopilot, and Round-Ups invest your spare change every time you make a purchase.
Sourceacorns.com/pricing, checked .
BloomBloom says you can set up conditional and recurring orders, including recurring investments into its Auto-Portfolios on a fixed schedule.
SourceApp Store listing, checked .
Managed portfolios (robo)Differs
AcornsAcorns says it recommends an expert-built, diversified investment portfolio for your money goals, so you don't pick stocks yourself.
Sourceacorns.com/pricing, checked .
BloomBloom offers Auto-Portfolios that automatically copy the investments of top politicians and billionaires.Bloom's Form ADV (July 9, 2025) says Bloom seeks client authorization for each trade, so this is copy investing, not a discretionary robo-advisor.
SourceApp Store listing, checked .
ProtectionDiffers
AcornsBrokerage products come from Acorns Securities, a member of FINRA and SIPC. Acorns Checking balances are FDIC insured up to $250,000 per depositor through the partner banks.
Sourceacorns.com/pricing, checked .
BloomBloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.
Sourcesipc.org/for-investors/what-sipc-protects, checked .
PlatformsDiffers
AcornsAcorns lists Mobile app and Web app.
Sourcesqy7rm.media.zestyio.com/Acorns-Securities-Acorns-Advisers-Form-CRS--August-2026-.pdf, checked .
BloomBloom lists iOS and Android.
Sourcebloomapp.com, checked .
App store ratingDiffers
AcornsAcorns has 4.7 out of 5 on the App Store from 960,036 ratings.
SourceApp Store listing, checked .
BloomBloom has 4.8 out of 5 on the App Store from 46,600 ratings.
SourceApp Store listing, checked .

Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.

Weighing a third option? Add up to two more apps and compare up to four side by side.

Summary of how Acorns and Bloom compare on category, platforms and features, from Priceless Tay.
A summary graphic of the table above, without prices or rates.

Screen by screen

Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.

Home

Acorns logoAcorns

  • Acorns tab bar
    Google Play marketing imageThe Android tab bar: Home, Investing, a round Money Hub button, Learning and Earning, with Investing selected.Google Play listing, as of

Bloom logoBloom

  • Bloom portfolio value on iPad
    App Store marketing imageYour Portfolio at $12.00, up $2.00 (+20.00%), with a line chart, 1D to 3M ranges and a Your stocks list starting with Tesla, with brand logos placed over the screen.App Store listing, as of

Accounts

Acorns logoAcorns

  • Acorns Emergency Savings account on Android
    Google Play marketing imageEmergency Savings at $500 with a Save $1,000 goal at 50%, Transfer in and Transfer out buttons, Current APY 3.59%, a Recent activity header and the tab bar with Home selected.Google Play listing, as of

Bloom logoBloom

No official screen found yet

Goals

Acorns logoAcorns

  • Acorns App Store image of Emergency Savings
    App Store marketing imageApp Store image with the headline about APY showing an Emergency Savings screen with a Save $1,000 bar and a debit card.App Store listing, as of
  • Acorns Emergency Savings with a Save $1,000 goal
    App Store marketing imageEmergency Savings at $500 with a Save $1,000 goal card at 50%, partly covered by an image of an Acorns Visa debit card.App Store listing, as of
  • Acorns balance milestones
    Google Play marketing imageMilestones: 1, Checking balance at $5,000 with $0 in Checking, and 2, Savings balance at $15,000 with $0 in Emergency Savings.Google Play listing, as of

Bloom logoBloom

No official screen found yet

Reports and insights

Acorns logoAcorns

  • Acorns Potential projection chart
    App Store marketing imageA tilted Your Acorns Potential screen: $491,395 made of a $418,395 return and $73,000 invested, a rising bar chart to age 65 and Years to grow 40 and Average return 8% chips.App Store listing, as of

Bloom logoBloom

  • Bloom investing idea reasoning card
    Google Play marketing imageAn UBER BUY idea card: Why this idea with 7.1% free cash flow yield and 22% bookings growth, What could prove it, and What could change the view with exit triggers below $65.41.Google Play listing, as of
  • Bloom portfolio chart with question chips
    Google Play marketing imageYour Portfolio with an "NVDA Q4 revenue up +40%" note on a line chart and question chips: Why did NVDA go up?, How to improve this portfolio? and Key risks I should watch out for.Google Play listing, as of
  • Bloom portfolio red flags
    Google Play marketing imageYour portfolio: UBER at 3.0% with UBER red flags for earnings quality, Robotaxi competition and legal exposure, each with a short explanation.Google Play listing, as of

Investments

Acorns logoAcorns

  • Acorns App Store image of a projection chart
    App Store marketing imageApp Store image with the headline "Save & invest for your future" showing a "Your Acorns Potential" projection chart.App Store listing, as of
  • Acorns App Store image of the Invest account
    App Store marketing imageApp Store image with the headline "Easy, automatic investing" showing an Invest account at $27,953 with Round-Ups and transfer buttons.App Store listing, as of
  • Acorns App Store image of the Later account
    App Store marketing imageApp Store image with the headline "Auto-invest for retirement" showing a Later account with a 3% match badge.App Store listing, as of
  • Acorns Invest account screen
    App Store marketing imageThe Invest account: $27,953, up $2,236.24 (8.00%) all time, a line chart, Round-Ups, Transfer in and Transfer out buttons, and Round-Ups Settings Automatic and Recurring $5 / Daily rows.App Store listing, as of
  • Acorns Later retirement account screen
    App Store marketing imageThe Later retirement account: $90,159, up $7,212.72 (8.0%) all time, a line chart with a 3% match badge placed over it, Transfer in and Transfer out buttons, and Recurring $5 / Daily and 3% IRA Match Active rows.App Store listing, as of
  • Acorns Invest balance with a line chart
    App Store marketing imageInvest $27,953 with $2,236.24 (8.00%) all time market gain and a green line chart.App Store listing, as of
  • Acorns recurring and IRA match rows
    App Store marketing imageTwo settings rows: Recurring $5 / Daily and 3% IRA Match Active.App Store listing, as of

Bloom logoBloom

  • Bloom App Store image of investing potential
    App Store marketing imageApp Store image with the headline "Build wealth early" showing an investing potential chart and an amount picker.App Store listing, as of
  • Bloom App Store image of the Discover screen
    App Store marketing imageApp Store image with the headline "Copy the trades of top investors" showing a Discover screen with portfolios.App Store listing, as of
  • Bloom All Trades list of AI investing ideas
    Google Play marketing imageAll Trades with All Models, Claude, ChatGPT and Gemini filters, listing BUY ideas for UBER, SGOV and HALO with prices and a one-line reason each.Google Play listing, as of
  • Bloom Discover tab
    Google Play marketing imageThe Discover tab: a Search stocks field, Get started tiles for Best ETFs and Popular Stocks, and Follow famous investors cards such as Nancy Pelosi and Stanley Druckenmiller.Google Play listing, as of

Transfer and send

Acorns logoAcorns

  • Acorns Round-Ups, Transfer in and Transfer out buttons
    App Store marketing imageThree round buttons: Round-Ups, Transfer in and Transfer out.App Store listing, as of

Bloom logoBloom

No official screen found yet

Sharing with a partner

Acorns logoAcorns

No official screen found yet

Bloom logoBloom

  • Bloom teen education summary for parents
    App Store marketing imageA parent's view of Alexander's Financial Education Summary: This week, 8 lessons completed, 75% correct answers and topic splits for Crypto 30%, Investing basics 30% and Personal finance 12%.App Store listing, as of

Getting started

Acorns logoAcorns

No official screen found yet

Bloom logoBloom

  • Bloom App Store image of the welcome screen
    App Store marketing imageApp Store image with the headline "Earn free stocks" showing a Welcome to Bloom screen offering $75 for completing a first lesson.App Store listing, as of
  • Bloom first lesson reward offer
    App Store marketing imageAn offer screen: $75, "Earn up to $75 for completing your first lesson!" with a Let's go button.App Store listing, as of

AI assistant

Acorns logoAcorns

No official screen found yet

Bloom logoBloom

  • Bloom App Store image of the Bloomie chat
    App Store marketing imageApp Store image with the headline "Your AI stock assistant" showing a Bloomie chat with suggested questions.App Store listing, as of
  • Bloom AI assistant answer about NVIDIA
    Google Play marketing imageThe assistant answering "Should I buy NVDA?" with an NVIDIA card at $219.10, a price chart and rated points such as Exceptional profits, Exceptional growth and Favorable price.Google Play listing, as of

Other screens

Acorns logoAcorns

  • Acorns App Store image of a deposit split
    App Store marketing imageApp Store image with the headline "Your money on autopilot" showing your next deposit of $2,500 split across investing, saving and spending.App Store listing, as of
  • Acorns App Store image of the Learn screen
    App Store marketing imageApp Store image with the headline "Get smart about money" showing a Learn screen with articles.App Store listing, as of
  • Acorns App Store image of the Earn screen
    App Store marketing imageApp Store image with the headline "Like cash-back that can grow" showing an Earn screen with brand offers.App Store listing, as of
  • Acorns next deposit split across accounts
    App Store marketing imageYour next deposit of $2,500 with $2,500 received this month and $5,000 scheduled, split into tiles: Investing 4% $100, Saving 10% $250, Spending 85% $2,125, Kid 1% $25 and Giving coming soon.App Store listing, as of
  • Acorns Learn tab
    App Store marketing imageThe Learn tab with Just for you, Investing and Retiring filters, a 7 min video card titled "The American Dream isn't dead" and a Trending for you row.App Store listing, as of
  • Acorns Earn tab with brand offers
    App Store marketing imageThe Earn tab: +50% Rewards Match, $128.59 earned, a featured Hello Fresh offer with $25 invested, All offers, Delivery and Grocery filters and a For you row of brand logos with rates.App Store listing, as of
  • Acorns next deposit split with milestones
    Google Play marketing imageNext deposit on Feb 3, $1,000 from Chase Checking, split into Investing 5% $50, Saving 10% $100 and Spending 85% $850 with Giving coming soon, $0 received and $4,000 scheduled in Feb., and a Milestones list.Google Play listing, as of
  • Acorns deposit split tiles
    App Store marketing imageGreen tiles splitting a deposit: Investing 4% $100, Saving 10% $250, Spending 85% $2,125, Kid 1% $25 and Giving coming soon.App Store listing, as of

Bloom logoBloom

  • Bloom App Store image of the Learn path
    App Store marketing imageApp Store image with the headline "Learn to invest" showing a lesson path and a quiz card.App Store listing, as of
  • Bloom App Store image of news cards
    App Store marketing imageApp Store image with the headline "Swipe to invest in the stories you believe in" showing stacked news cards with stock prices.App Store listing, as of
  • Bloom App Store image of practice trading
    App Store marketing imageApp Store image with the headline "Practice trading" showing a paper trading screen and a tournament card.App Store listing, as of
  • Bloom stock alerts on a lock screen
    Google Play marketing imageA lock screen at 4:10 with Bloom alerts: GOOGL above its 50-day average, a META RSI alert and News on UBER.Google Play listing, as of

How Acorns and Bloom differ

Acorns recommends an expert-built, diversified portfolio and invests for you, and its Round-Ups invest your spare change every time you make a purchase. If the terms are new, start with what an index fund is. Acorns lists an investment account, an IRA and UGMA/UTMA accounts, and Acorns Securities is a member of FINRA and SIPC.

Bloom's FAQ says its subscription includes an investing account, more than 200 interactive financial lessons and stock rewards for learning, and its home page describes an AI investing helper. Bloom offers Auto-Portfolios that copy the investments of top politicians and billionaires, and you can set up recurring investments into them. Its brokerage accounts are held at Alpaca Securities, a SIPC member.

SIPC (2026) protects you if a member brokerage fails, not against investments losing value. The table above shows each app's current plan prices, with the date we checked.

Which one fits your Money Type?

Priceless Tay sorts money habits into four Money Types: Strategist, Spender, Saver and Scrambler. Your type tells you which fix to make first, and it's a quick way to judge whether an app will help you or just look nice.

  • Strategists: Compare each app's subscription cost with what you plan to invest, because a flat fee weighs more on a small balance.
  • Spenders: Acorns' Round-Ups leave something behind from everyday purchases. Pair it with the Spender first fix, Sleep on It.
  • Savers: Both fit you, because each one makes the first step into investing smaller. Pair it with the Saver first fix, Put It to Work.
  • Scramblers: Cover your bills and an emergency fund before adding an investing subscription. Pair it with the Scrambler first fix, Bills First.

Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.

Who each app fits

Who Acorns is for

Who Acorns fits

  • You want investing to happen automatically.
  • You like investing spare change with Round-Ups.
  • You want a retirement account in the same app.

Who should skip Acorns

  • You plan to invest a very small balance, where a monthly fee weighs more.
  • You want to pick individual stocks without paying for the top plan.
  • You haven't covered your bills and an emergency fund yet.

Who Bloom is for

Who Bloom fits

  • You want to learn how investing works before you put money in.
  • You're a parent who wants a teen to learn and invest with your sponsorship.
  • You like lessons and games more than charts.

Who should skip Bloom

  • You already know how to invest and want a low-cost account.
  • You'd rather not pay a subscription on a small balance.
  • You want an IRA, which Bloom doesn't list among its account types.

Who it's for

Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.

Just me

Budgeting on your own? These are the basics people ask about first.

  • Is it free?

    Acorns: Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.

    Sourceacorns.com/pricing, checked .

    Bloom: Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.

    Sourcebloomapp.com/faq, checked .
  • Is there support from the app's makers if I need help?

    Acorns: Yes. Chat (Acorns app or Help Center), email and phone.

    SourceIn their words: “Chat: Chat with us anytime through the Acorns app or from the Acorns Help Center (click "Need Help?" in the bottom right corner).” support.acorns.com/hc/en-us/articles/How-do-I-contact-Acorns, checked .

    Bloom: Yes. Email.

    SourceIn their words: “Please contact support@joinbloom.co for direct refunds if you do not recognize the service, were unable to sign up or have a special inquiry.” bloomapp.com/faq, checked .

Family

Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.

  • Does it have accounts or features for kids or teens?

    Acorns: Yes. It has accounts or features for kids or teens.

    SourceIn their words: “Smart money app & up to 4 debit cards” acorns.com/early, checked .

    Bloom: Yes. It has accounts or features for kids or teens.

    SourceIn their words: “Bloom charges a subscription fee for access to an investing account (including UTMA/UGMA custodial brokerage accounts for teens 13-17), 200+ interactive financial lessons, and stock rewards for learning.” bloomapp.com/faq, checked .

A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.

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

Another option: Fifecta

If neither Acorns nor Bloom 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.

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, . 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, . 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, . 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.

What Bloom users say

Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos 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 505 reviews, posts and videos we read, 223 mention learning about investing.
  • Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
  • Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.

Positive

“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
u/itsyourboyjjjj in r/investing on Reddit, . Read it on Reddit.

Critical

“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
u/ConditionSufficient7 in r/investingforbeginners on Reddit, . Read it on Reddit.
Where these come from

Try the free Debt vs. Invest Calculator

Compare extra payments on debt with investing the same money. Open the Debt vs. Invest Calculator on its own page.

FAQ

Can teens use Acorns or Bloom?

Bloom offers custodial (UTMA/UGMA) brokerage accounts for teens 13 to 17, which a parent sponsors. Acorns says its Gold plan adds an investment account for kids, and it lists UGMA/UTMA among its account types.

How much do I need to start?

Bloom says deposits and stock orders must be at least $1, with no minimum balance. Acorns' brochure says there's no minimum account size, and most clients can begin investing with as little as $5. Each app charges a subscription, shown in the table above.

Is my money protected?

Both brokerages are SIPC members, which protects you if the brokerage fails. SIPC doesn't protect against investments losing value. Acorns Checking balances are FDIC insured through its partner banks.

Which app is cheaper?

Both charge a subscription. The table above shows each current plan price from the official sites, with the date we checked.

Can I use Acorns or Bloom on the web?

Acorns lists a mobile app and a web app. Bloom's home page links its App Store and Google Play apps.

More comparisons

Keep comparing

Pinterest pin for Acorns vs Bloom, a side-by-side app comparison from Priceless Tay.

Save this comparison

Pin it so you can find it again when you're ready to choose.

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.

Sources and confidence

Last checked
Sourced facts
20 facts, each linked and dated
Acorns10 sourced facts, last checked Oct 25, 2026
Bloom10 sourced facts, last checked Oct 25, 2026

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it comes off the page until we check it again. How we source, date and index this data.

This is education, not financial advice.