Investing comparison
Acorns vs Rocket Money
Updated
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Acorns is an investing app and Rocket Money is a budgeting app. Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month, while Rocket Money has a free version. We checked both on Oct 24, 2026, and the official sources differ on 2 of the 9 rows in the table below.
Acorns vs Rocket Money at a glance
Acorns is an investing app and Rocket Money is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 2 of the 9 rows in the table below.
Price and fees
Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month. Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month. We checked both on Oct 24, 2026.
APY or rate
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 haven't verified this for Rocket Money yet, so check the official site for Rocket Money before you decide. We checked Acorns on Oct 24, 2026.
Protection
Brokerage 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. We haven't verified this for Rocket Money yet, so check the official site for Rocket Money before you decide. We checked Acorns on Oct 24, 2026.
Platforms
Rocket Money lists iOS, Android and Web. We haven't verified this for Acorns yet, so check the official site for Acorns before you decide. We checked Rocket Money on Oct 24, 2026.
Bank syncing
Rocket Money says it connects to your accounts through Plaid. We haven't verified this for Acorns yet, so check the official site for Acorns before you decide. We checked Rocket Money on Oct 24, 2026.
Features
Rocket Money lists goals, shared budgets, AI features and data export. We haven't verified the features for Acorns yet. We checked Rocket Money on Oct 24, 2026.
App store rating
Acorns has 4.7 out of 5 on the App Store from 959,943 ratings. Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
AcornsLower price$4a month
Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.
As of · acorns.com/pricing
Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
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.
At a glance
APY
- Acorns
- 2.33% to 3.59% APY
- Rocket Money
- Not verified yet
Source
- Acorns 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. acorns.com/pricing, as of Oct 24, 2026.
- Rocket Money: Not verified yet.
Free trial
- Acorns
- Not verified yet
- Rocket Money
- Not verified yet
Source
- Acorns: Not verified yet.
- Rocket Money: Not verified yet.
App Store rating
- Acorns
- 4.7959,943 ratings
- Rocket Money
- 4.5401,884 ratings
Source
- Acorns has 4.7 out of 5 on the App Store from 959,943 ratings. App Store listing, as of Oct 24, 2026.
- Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Acorns
- Not verified yet
- Rocket Money
- iOS
- Android
- Web
Source
- Acorns: Not verified yet.
- Rocket Money lists iOS, Android and Web. rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026.
Bank syncing
- Acorns
- Not verified yet
- Rocket Money
- Yes
Source
- Acorns: Not verified yet.
- Yes. Rocket Money says it connects to your accounts through Plaid. rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026.
Minimums
- Acorns
- Not verified yet
- Rocket Money
- Not verified yet
Source
- Acorns: Not verified yet.
- Rocket Money: Not verified yet.
Protection
- Acorns
- Brokerage 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.
- Rocket Money
- Not verified yet
Source
- Brokerage 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. acorns.com/pricing, as of Oct 24, 2026.
- Rocket Money: Not verified yet.
Features
| Feature | Acorns | Rocket Money |
|---|---|---|
| AI features | Not verified yet | Listed by the source |
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Listed by the source |
| Data export | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Rocket Money: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026.
What the apps look like
Acorns
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Acorns on the App Store, as of Oct 24, 2026.
Rocket Money
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Rocket Money on the App Store, as of Oct 24, 2026.
Acorns and Rocket Money, side by side
Rows marked “Differs” are where the official sources say different things, and 2 rows do here. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | AcornsInvesting appAcorns is an automated investing app that bundles investing, retirement and banking tools into monthly subscription plans.Visit Acorns's site | Rocket MoneyBudgeting appRocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.Visit Rocket Money's site |
|---|---|---|
| Price and feesDiffers | Lower priceAcorns 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 | Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost |
| Free trial | Not verified yet. | Not verified yet. |
| APY or rate | Acorns 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 | Not verified yet. |
| Opening and balance minimums | Not verified yet. | Not verified yet. |
| Protection | Brokerage 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.As of Oct 24, 2026. Source: acorns.com/pricing | Not verified yet. |
| Platforms | Not verified yet. | Rocket Money lists iOS, Android and Web.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost |
| Bank syncing | Not verified yet. | Yes. Rocket Money says it connects to your accounts through Plaid.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost |
| Features | Not verified yet. |
|
| App store ratingDiffers | Acorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing | Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. 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 to this table and compare up to four side by side.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderRocket Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverAcorns lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerRocket Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
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 Rocket Money 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.”
Positive
“Acorns. I love that app. I have it set to like $20 a week and then 3x round up...”
Critical
“This place just kept charging me a monthly fee even though the account had been closed.”
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
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.
How much does Rocket Money cost?
Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 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 Rocket Money's app store rating?
Rocket Money has 4.5 out of 5 on the App Store from 401,884 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See Acorns alternatives, closest category first.
- See Rocket Money alternatives, closest category first.
- Browse our guide to the low-cost brokerage accounts.
- Want the bigger picture? Compare more money apps.
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
- Not verified yet
- 4 of 13 facts
Acorns4 of 7 verified, 3 not verified yet, last checked Oct 24, 2026
- Price and feesacorns.com/pricing, as of Oct 24, 2026
- APY or rateacorns.com/pricing, as of Oct 24, 2026
- MinimumsNot verified yet
- Protectionacorns.com/pricing, as of Oct 24, 2026
- PlatformsNot verified yet
- FeaturesNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Rocket Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Free trialNot verified yet
- Platformsrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Bank syncingrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Featuresrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
- Reference: sipc.org/for-investors/what-sipc-protects, checked Oct 24, 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 reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
