Investing comparison

Acorns vs SoFi

Updated Oct 24, 2026

AcornsInvesting app

SoFiSavings account

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 SoFi is a savings account. 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, but we haven't verified the price for SoFi yet, and the official sources differ on 3 of the 7 rows in the table below.

Acorns vs SoFi at a glance

Acorns is an investing app and SoFi is a savings account. 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 3 of the 7 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. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked Acorns 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. SoFi 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. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We checked both on Oct 24, 2026.

Opening and balance minimums

SoFi says there is no minimum balance requirement. We haven't verified this for Acorns yet, so check the official site for Acorns before you decide. We checked SoFi 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. SoFi Bank, N.A. is a Member FDIC. We checked both on Oct 24, 2026.

App store rating

Acorns has 4.7 out of 5 on the App Store from 959,943 ratings. SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

Acorns and SoFi Checking and Savings, side by side

Rows marked “Differs” are where the two official sources say different things, and 3 rows do here.

Swipe the table sideways to see both apps.

Acorns compared with SoFi Checking and Savings. Each cell shows the date it was checked and links to its source.
Field	AcornsInvesting appAcorns is an automated investing app that bundles investing, retirement and banking tools into monthly subscription plans.Visit Acorns's site	SoFi Checking and SavingsSavings accountSoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.Visit SoFi Checking and Savings's site
Price and fees	Acorns 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	Not verified yet.
APY or rateDiffers	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	SoFi 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
Opening and balance minimums	Not verified yet.	SoFi says there is no minimum balance requirement.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account
ProtectionDiffers	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	SoFi Bank, N.A. is a Member FDIC.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account
Platforms	Not verified yet.	Not verified yet.
Features	Not verified yet.	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	SoFi 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

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. Spotted a change? Tell us if something changed.

What the apps look like

Acorns App Store screenshot 1 of 4, as of Oct 24, 2026 — Screenshots: Acorns on the App Store, as of Oct 24, 2026.

Acorns App Store screenshot 2 of 4, as of Oct 24, 2026 — Screenshots: Acorns on the App Store, as of Oct 24, 2026.

SoFi Checking and Savings App Store screenshot 1 of 4, as of Oct 24, 2026 — Screenshots: SoFi Checking and Savings on the App Store, as of Oct 24, 2026.

SoFi Checking and Savings App Store screenshot 2 of 4, as of Oct 24, 2026 — Screenshots: SoFi Checking and Savings on the App Store, as of Oct 24, 2026.

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.

Strategist
Neither 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.
Spender
Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
Saver
Both Acorns and SoFi list an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
Scrambler
Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
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 SoFi 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

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.

What SoFi users say

Based on 500 App Store reviews, 1 Reddit post and 1 Hacker News post dated Apr 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

Of the 502 reviews and posts we read, 85 mention deposits, transfers or getting paid.
Of the 502 reviews and posts we read, 74 mention how easy or hard the app is to use.
Of the 502 reviews and posts we read, 70 mention customer service or support.

Positive

“Most user friendly banking app there is. Been a member for years. Every year they add something new”

App Store reviewer on the App Store, Apr 17, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“If you think an online bank is better than a brick and mortar just wait until you need customer service...”

App Store reviewer on the App Store, Sep 4, 2026. See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Positive

“my favorite is sofi. i personally use them as a bank...”

u/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026. Read it on Reddit.

Where these come from

SoFi 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 SoFi, read Oct 24, 2026. Public search of comments and posts. 8 named the app; we kept 1 where the writer shares their own use of it.
Reddit search for SoFi, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "SoFi checking savings", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it, plus 1 from another app's search that discusses this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
YouTube search for SoFi, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "SoFi checking and savings review" from the past year, up to 8 videos. It returned 8. We kept 0 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/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026.
imzadi on Hacker News, Jul 28, 2026.

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.

What APY does Acorns list?

What APY does SoFi list?

SoFi 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. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. 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.

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