Investing comparison
Fidelity vs SoFi Invest
Updated
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.
Short answer
Fidelity and SoFi Invest are both investing apps. Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above, while SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts. We checked both on Oct 24, 2026, and the official sources differ on 10 of the 10 rows in the table below.
Fidelity vs SoFi Invest at a glance
Fidelity and SoFi Invest are both investing apps. 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 10 of the 10 rows in the table below.
Management or subscription fee
Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above. SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts. We checked both on Oct 24, 2026.
Account minimum
Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs. SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee. We checked both on Oct 24, 2026.
Stock and ETF commissions
Fidelity lists $0 commission for online US stock, ETF and option trades. Online option trades have a $0.65 per contract fee. SoFi's fee schedule says commission-free trading means $0 commissions for self-directed individual cash or margin brokerage accounts trading U.S. listed and OTC securities (including ETFs) and options in the app or on the website. We checked both on Oct 24, 2026.
Account types
Fidelity lists these account types: Brokerage account, Traditional IRA, Roth IRA, Rollover IRA, Health savings account (HSA), 529 college savings plan, Cash management account and Crypto account. SoFi Invest lists these account types: Self-Directed, Robo-Advisor, Roth IRA, Traditional IRA and SEP IRA. We checked both on Oct 24, 2026.
Fractional shares
Fidelity says you can own fractions of US stocks and ETFs, starting at $1. SoFi has a fractional shares page (Invest in Partial Shares) and says there are limitations with fractional shares to consider before investing. We checked both on Oct 24, 2026.
Automatic investing
Fidelity says you can use recurring investments to automatically add fractional shares. SoFi's fractional shares page says scheduled orders are aggregated and executed in the morning trade window of the next business day. We checked both on Oct 24, 2026.
Managed portfolios (robo)
Fidelity Go is Fidelity's robo advisor, with digital managed accounts and no minimum to open (the balance must be at least $10 to be invested). SoFi's fee schedule lists Robo-Advisor accounts with a $50 minimum to begin investing. Robo investing and advisory services come from SoFi Wealth LLC. We checked both on Oct 24, 2026.
Protection
Fidelity is a member of SIPC, which protects securities customers up to $500,000 (including $250,000 for claims for cash). Fidelity adds excess of SIPC coverage with a $1 billion aggregate limit, no per-customer limit on securities and a $1.9 million per-customer limit on cash awaiting investment. SoFi Securities LLC is a member of FINRA/SIPC. We checked both on Oct 24, 2026.
Platforms
Fidelity Investments lists iOS and Android. SoFi Invest lists App and Web. We checked both on Oct 24, 2026.
App store rating
Fidelity Investments has 4.8 out of 5 on the App Store from 3,366,726 ratings. SoFi Invest 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.
What it costs
Fidelity InvestmentsFidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above.
SoFi InvestSoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. 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.
At a glance
App Store rating
- Fidelity
- 4.83,366,726 ratings
- SoFi Invest
- 4.7385,426 ratings
Source
- Fidelity Investments has 4.8 out of 5 on the App Store from 3,366,726 ratings. App Store listing, as of Oct 24, 2026.
- SoFi Invest has 4.7 out of 5 on the App Store from 385,426 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Fidelity
- iOS
- Android
- SoFi Invest
- App
- Web
Source
- Fidelity Investments lists iOS and Android. fidelity.com/mobile/overview, as of Oct 24, 2026.
- SoFi Invest lists App and Web. sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026.
Account minimum
- Fidelity
- Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs.
- SoFi Invest
- SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee.
Source
- Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs. fidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026.
- SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee. sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026.
Stock and ETF commissions
- Fidelity
- Fidelity lists $0 commission for online US stock, ETF and option trades. Online option trades have a $0.65 per contract fee.
- SoFi Invest
- SoFi's fee schedule says commission-free trading means $0 commissions for self-directed individual cash or margin brokerage accounts trading U.S. listed and OTC securities (including ETFs) and options in the app or on the website.
Source
- Fidelity lists $0 commission for online US stock, ETF and option trades. Online option trades have a $0.65 per contract fee. fidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026.
- SoFi's fee schedule says commission-free trading means $0 commissions for self-directed individual cash or margin brokerage accounts trading U.S. listed and OTC securities (including ETFs) and options in the app or on the website. sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026.
Protection
- Fidelity
- Fidelity is a member of SIPC, which protects securities customers up to $500,000 (including $250,000 for claims for cash). Fidelity adds excess of SIPC coverage with a $1 billion aggregate limit, no per-customer limit on securities and a $1.9 million per-customer limit on cash awaiting investment.
- SoFi Invest
- SoFi Securities LLC is a member of FINRA/SIPC.
Source
- Fidelity is a member of SIPC, which protects securities customers up to $500,000 (including $250,000 for claims for cash). Fidelity adds excess of SIPC coverage with a $1 billion aggregate limit, no per-customer limit on securities and a $1.9 million per-customer limit on cash awaiting investment. fidelity.com/why-fidelity/safeguarding-your-accounts, as of Oct 24, 2026.
- SoFi Securities LLC is a member of FINRA/SIPC. sofi.com/invest/fractional-shares, as of Oct 24, 2026.
Features
We haven't verified a feature list for either app yet, so this grid is empty for now.
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it.
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.
Other screens
Fidelity Investments
App Store marketing imageApp Store image 1 of 4 from the Fidelity Investments listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Fidelity Investments listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Fidelity Investments listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Fidelity Investments listing.App Store listing, as of
SoFi Invest
App Store marketing imageApp Store image 1 of 4 from the SoFi Invest listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the SoFi Invest listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the SoFi Invest listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the SoFi Invest listing.App Store listing, as of
Fidelity Investments and SoFi Invest, side by side
Rows marked “Differs” are where the official sources say different things, and 10 rows do here.
Swipe the table sideways to see both apps.
| Field | Fidelity InvestmentsInvesting appFidelity is a brokerage with an investing app, retirement and education accounts, and a robo advisor called Fidelity Go.Visit Fidelity Investments's site | SoFi InvestInvesting appSoFi Invest is SoFi's investing account, with self-directed trading, IRAs and robo-advisor accounts in the SoFi app. SoFi's savings account has its own entry.Visit SoFi Invest's site |
|---|---|---|
| Management or subscription feeDiffers | Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees | SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| Account minimumDiffers | Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees | SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| Stock and ETF commissionsDiffers | Fidelity lists $0 commission for online US stock, ETF and option trades. Online option trades have a $0.65 per contract fee.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees | SoFi's fee schedule says commission-free trading means $0 commissions for self-directed individual cash or margin brokerage accounts trading U.S. listed and OTC securities (including ETFs) and options in the app or on the website.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| Account typesDiffers | Fidelity lists these account types: Brokerage account, Traditional IRA, Roth IRA, Rollover IRA, Health savings account (HSA), 529 college savings plan, Cash management account and Crypto account.As of Oct 24, 2026. Source: fidelity.com/open-account/overview | SoFi Invest lists these account types: Self-Directed, Robo-Advisor, Roth IRA, Traditional IRA and SEP IRA.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| Fractional sharesDiffers | Fidelity says you can own fractions of US stocks and ETFs, starting at $1.As of Oct 24, 2026. Source: fidelity.com/trading/fractional-shares | SoFi has a fractional shares page (Invest in Partial Shares) and says there are limitations with fractional shares to consider before investing.As of Oct 24, 2026. Source: sofi.com/invest/fractional-shares |
| Automatic investingDiffers | Fidelity says you can use recurring investments to automatically add fractional shares.As of Oct 24, 2026. Source: fidelity.com/trading/fractional-shares | SoFi's fractional shares page says scheduled orders are aggregated and executed in the morning trade window of the next business day.As of Oct 24, 2026. Source: sofi.com/invest/fractional-shares |
| Managed portfolios (robo)Differs | Fidelity Go is Fidelity's robo advisor, with digital managed accounts and no minimum to open (the balance must be at least $10 to be invested).As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees | SoFi's fee schedule lists Robo-Advisor accounts with a $50 minimum to begin investing. Robo investing and advisory services come from SoFi Wealth LLC.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| ProtectionDiffers | Fidelity is a member of SIPC, which protects securities customers up to $500,000 (including $250,000 for claims for cash). Fidelity adds excess of SIPC coverage with a $1 billion aggregate limit, no per-customer limit on securities and a $1.9 million per-customer limit on cash awaiting investment.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/safeguarding-your-accounts | SoFi Securities LLC is a member of FINRA/SIPC.As of Oct 24, 2026. Source: sofi.com/invest/fractional-shares |
| PlatformsDiffers | Fidelity Investments lists iOS and Android.As of Oct 24, 2026. Source: fidelity.com/mobile/overview | SoFi Invest lists App and Web.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf |
| App store ratingDiffers | Fidelity Investments has 4.8 out of 5 on the App Store from 3,366,726 ratings.As of Oct 24, 2026. Source: App Store listing | SoFi Invest 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. 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.
SpenderNeither 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.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerNeither 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 Fidelity nor SoFi Invest 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.
FAQ
How much does Fidelity charge?
Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above. We checked this on Oct 24, 2026.
How much does SoFi Invest charge?
SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts. We checked this on Oct 24, 2026.
What is Fidelity's app store rating?
Fidelity Investments has 4.8 out of 5 on the App Store from 3,366,726 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What is SoFi Invest's app store rating?
SoFi Invest has 4.7 out of 5 on the App Store from 385,426 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
Similar comparisons
- FidelityInvesting app
Charles SchwabInvesting appFidelity vs Charles Schwab
See Fidelity Investments and Charles Schwab side by side, with every fact dated.
Data side by side - FidelityInvesting app
RobinhoodInvesting appFidelity vs Robinhood
See Fidelity Investments and Robinhood side by side, with every fact dated.
Data side by side - FidelityInvesting appVanguardInvesting app
Fidelity vs Vanguard
See Fidelity Investments and Vanguard side by side, with every fact dated.
Data side by side 
AcornsInvesting app
StashInvesting appAcorns vs Stash
See Acorns and Stash side by side, with every fact dated.
Data side by side
BettermentInvesting app
WealthfrontInvesting appBetterment vs Wealthfront
See Betterment and Wealthfront side by side, with every fact dated.
Data side by side- Charles SchwabInvesting appVanguardInvesting app
Charles Schwab vs Vanguard
See Charles Schwab and Vanguard side by side, with every fact dated.
Data side by side 
E*TRADEInvesting appCharles SchwabInvesting appE*TRADE vs Charles Schwab
See E*TRADE and Charles Schwab side by side, with every fact dated.
Data side by side
M1Investing appRobinhoodInvesting appM1 vs Robinhood
See M1 and Robinhood side by side, with every fact dated.
Data side by side
PublicInvesting appRobinhoodInvesting appPublic vs Robinhood
See Public and Robinhood side by side, with every fact dated.
Data side by side
Keep comparing
- See Fidelity alternatives, closest category first.
- See SoFi Invest 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
- None of the 20 facts
Fidelity Investments10 of 10 verified, last checked Oct 24, 2026
- Management or subscription feefidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026
- Account minimumfidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026
- Stock and ETF commissionsfidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026
- Account typesfidelity.com/open-account/overview, as of Oct 24, 2026
- Fractional sharesfidelity.com/trading/fractional-shares, as of Oct 24, 2026
- Automatic investingfidelity.com/trading/fractional-shares, as of Oct 24, 2026
- Managed portfolios (robo)fidelity.com/why-fidelity/pricing-fees, as of Oct 24, 2026
- Protectionfidelity.com/why-fidelity/safeguarding-your-accounts, as of Oct 24, 2026
- Platformsfidelity.com/mobile/overview, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
SoFi Invest10 of 10 verified, last checked Oct 24, 2026
- Management or subscription feesofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026
- Account minimumsofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026
- Stock and ETF commissionssofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026
- Account typessofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026
- Fractional sharessofi.com/invest/fractional-shares, as of Oct 24, 2026
- Automatic investingsofi.com/invest/fractional-shares, as of Oct 24, 2026
- Managed portfolios (robo)sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, as of Oct 24, 2026
- Protectionsofi.com/invest/fractional-shares, as of Oct 24, 2026
- Platformssofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf, 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.
