Compound Interest Calculator

<!DOCTYPE html><html lang="en-us"><head><title>Compound Interest Calculator | Acorns</title><meta property="og:type" content="website" /><meta property="og:title" content="Compound Interest Calculator" /><meta name="twitter:title" content="Compound Interest Calculator"><meta property="og:description" content="Use the Acorns compound interest calculator to see how your money could potentially grow over time with the power of compounding." /><meta property="twitter:description" content="Use the Acorns compound interest calculator to see how your money could potentially grow over time with the power of compounding." /><meta property="og:url" content="https://www.acorns.com/learn/investing/compound-interest-calculator/" /><meta name="twitter:card" content="summary_large_image"><meta property="og:image" content="https://sqy7rm.media.zesty.site/compound-interest-calculator.rk8lQr6Lh.png?width=1200&height=630&fit=crop" /><meta property="og:image:url" content="https://sqy7rm.media.zesty.site/compound-interest-calculator.rk8lQr6Lh.png?width=1200&height=630&fit=crop" /><meta property="og:image:width" content="1200" /><meta property="og:image:height" content="630" /><meta property="twitter:image:src" content="https://sqy7rm.media.zesty.site/compound-interest-calculator.rk8lQr6Lh.png?width=1200&height=630&fit=crop" /><meta property="twitter:image:width" content="1200" /><meta property="twitter:image:height" content="630" /><meta property="og:site_name" content="Acorns" /><meta name="description" content="Use the Acorns compound interest calculator to see how your money could potentially grow over time with the power of compounding." /><meta http-equiv="Content-Type" content="text/html;charset=utf-8"><meta name="viewport" content="width=device-width, initial-scale=1.0"><meta name="apple-itunes-app" content="app-id=883324671"><meta name="google-site-verification" content="zz28cwlpNcO2KtqaUTVAV7JAqbInQ_j31p-xl04pBbo"><meta name="google-site-verification" content="HEhKySN8QOgvY_TgjTyHpYW6rbfTFwmLfWJvc-J5GCA"><meta http-equiv="Content-Security-Policy" content="default-src https: wss: 'unsafe-inline' 'unsafe-eval' data:;"><meta name="version" content="CV"><meta http-equiv="strict-transport-security" content="max-age=31536000; includeSubDomains; preload"><meta http-equiv="x-content-type-options" content="nosniff"><meta http-equiv="referrer-policy" content="no-referrer"><meta http-equiv="referrer-policy" content="strict-origin-when-cross-origin"><meta name="feature-policy" content="midi 'none';sync-xhr 'none';microphone 'none';camera 'none';magnetometer 'none';gyroscope 'none';speaker 'self';vibrate 'none';fullscreen 'self';" /> <meta name="apple-mobile-web-app-status-bar-style" content="black" /> <meta content="IE=edge" http-equiv="X-UA-Compatible" /> <meta name="viewport" content="width=device-width, height=device-height, initial-scale=1.0, minimum-scale=1.0, maximum-scale=1.0" /> <meta name="apple-mobile-web-app-capable" content="yes" /> <link rel="icon" href="https://sqy7rm.media.zestyio.com/favicon-2022.png" type="image/png" sizes="196x196" /> <meta name="facebook-domain-verification" custom="true" content="u6lwypb2enhceo6riymov3yga2pk4p" /> <link rel="canonical" href="https://www.acorns.com/learn/investing/compound-interest-calculator/" /><link type="text/css" href="/site.css?v=29f80156a595a3f5402775e31679c658" rel="stylesheet" media="screen" /><script type="text/javascript" src="/site.js?v=0708a582accccffb59f385dbbeb5fd13"></script><link rel="dns-prefetch" href="" /><script>(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)})(window,document,'script','//www.google-analytics.com/analytics.js','ga');ga('create', 'UA-46142661-9', 'auto');ga('send', 'pageview');</script></head><body class="view-learn_hub_articles" itemscope="" itemtype="https://schema.org/WebPage"><script> // Note: Variables are generally not available on script initialization. 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general-envoy-component"> <div class="header-wrapper"> <div class="calculator-tagline envoy-tagline solid-slate"> Calculate your estimate </div> <h1 class="calculator-headline envoy-header-2 solid-slate"> Compound Interest Calculator </h1> <div class="calculator-subheadline envoy-body solid-slate"> Use the Acorns compound interest calculator to see how your money could potentially grow over time with the power of compounding. </div> </div> <div class="main-content-wrapper"> <div class="calculator-sidebar-section"> <div class="sidebar-segment"> <label class="initial-deposit-label calculator-label envoy-tagline" for="initial-deposit"> Initial deposit </label> <div class="initial-deposit-wrapper calculator-input-wrapper"> <input id="initial-deposit" class="currency-input number-input" type="text" placeholder="100" maxlength="10" oninput="this.value = this.value.slice(0, this.maxLength)" min="0" pattern="[\d,]*" required> <span class="initial-deposit-prefix currency-prefix">$</span> </div> </div> <div class="sidebar-segment"> <label class="contributions-label calculator-label envoy-tagline" for="contributions"> Contributions </label> <div class="contributions-wrapper calculator-input-wrapper"> <input id="contributions" class="currency-input number-input" type="text" placeholder="20" maxlength="6" oninput="this.value = this.value.slice(0, this.maxLength)" min="0" pattern="[\d,]*" required> <span class="contributions-prefix currency-prefix">$</span> </div> <div class="frequency-wrapper radio-input-wrapper"> <div class="radio-option-wrapper"> <input type="radio" id="annual" class="contribution-frequency" name="contribution-frequency" value="annual" > <label for="annual"> Annual </label> </div> <div class="radio-option-wrapper"> <input type="radio" id="monthly" class="contribution-frequency" name="contribution-frequency" value="monthly" > <label for="monthly"> Monthly </label> </div> <div class="radio-option-wrapper"> <input type="radio" id="weekly" 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class="years-to-grow-icon-wrapper" style="left: calc((((20 - 1) / (65 - 1)) * 295.1px) + 3.4px);"> <img class="years-to-grow-icon" src=" https://sqy7rm.media.zestyio.com/Learn-Hub-Grow-Calculator-Icon.png " alt="Image of Acorn"> </div> </div> </div> </div> <div class="sidebar-segment"> <label class="annual-return-label calculator-label envoy-tagline" for="annual-return"> Average annual return </label> <div class="annual-return-wrapper calculator-input-wrapper"> <input id="annual-return" class="percentage-input number-input" type="number" placeholder="8" oninput="this.value = this.value.slice(0, this.maxLength); this.style.width = this.value.length + 'ch';" style="width: 1ch;" maxlength="2" min="0" pattern="\d*" required> <span class="annual-return-suffix percentage-suffix">%</span> </div> </div> <button id="calculator-submit" class="a5-cta" type="submit"> Calculate my estimate </button> </div> <div class="calculator-chart-section"> <div class="chart-heading"> <label class="future-balance-label calculator-label envoy-tagline" for="future-balance"> Potential Future Balance: </label> <div class="future-balance-wrapper acorns-green"> $XX,XX5 </div> </div> <div class="chart-container"> <div class="chart-wrapper"> <div id="calculator-chart"></div> </div> </div> <div class="social-share-module-container"> <div class="social-share-module-wrapper"> <div class="social-share-module"> <div class="social-share-toggle bg-white"> <div class="toggle-icon-wrapper"> <img class="toggle-icon hide-on-copied-state" src="https://sqy7rm.media.zestyio.com/Share-Module-Share.svg" alt="Share icon"> <img class="toggle-icon show-on-copied-state" src="https://sqy7rm.media.zestyio.com/Share-Copied-Checkmark.svg" alt="Checkmark icon"> </div> <div class="toggle-copy acorns-green"> <span class="hide-on-copied-state"> Share </span> <span class="show-on-copied-state"> Copied! </span> </div> </div> <div class="social-share-dropdown-wrapper bg-white"> <div 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src="https://sqy7rm.media.zestyio.com/Share-Module-Facebook.svg" alt="Facebook logo"> </div> <div class="item-title solid-slate"> Facebook </div> </div> </div> <div class="dropdown-close-wrapper"> <img class="dropdown-close" src="https://sqy7rm.media.zestyio.com/Share-Module-Close.svg" alt="Close button"> </div> </div> </div> </div> </div> </div> <div class="chart-disclosures light-grey"> <p>The chart shows an estimate of how much an investment could grow over time based on the initial deposit, contribution schedule, time horizon, and interest rate specified.  Changes in those variables can affect the outcome.  Reset the calculator using different figures to show different scenarios.  Results do not predict the investment performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance.</p> </div> </div> </div> </div> </div> </div> <div class="header-divider-icon-wrapper"> <img class="header-divider-icon" src="https://sqy7rm.media.zestyio.com/Learn-Hub-Grow-Calculator-Header-Divider.svg" alt="Tan downward arrow"> </div> </div> <div class="article-main-content"> <div class="content-wrapper general-envoy-component"> <div class="compound-interest-calculator-article-header-wrapper"> <div class="article-date envoy-body-large solid-slate"> May 31, 2024 </div> <h2 class="article-title envoy-header-5 solid-slate"> Compound Interest Calculator </h2> </div> <div class="article-main-content-container"> <div class="table-of-contents-wrapper" hidden></div> <div class="article-main-content-wrapper envoy-body-large solid-slate"> <p dir="ltr">Compounding is often described as “interest earned on interest,” and can help grow investors’ money quicker. </p> <p dir="ltr">But you’ve got to understand compounding to really be able to take advantage of it. Let’s take a closer look.</p> <h3 dir="ltr"><a href="https://app.adjust.com/7lk2u14_arni50f?fallback=https://signup.acorns.com/signup/">Start saving and investing today with Acorns</a><a href="https://app.adjust.com/7lk2u14_arni50f?fallback=https://signup.acorns.com/signup/"></a></h3> <p></p> <h2 dir="ltr">What is compounding?</h2> <p dir="ltr">Your money compounds when you earn interest or returns on money that’s already earned interest or returns.</p> <p dir="ltr">Think of it like a snowball rolling down a hill. The snowball starts small, but as it keeps rolling, its momentum builds and it grows bigger and bigger. </p> <p dir="ltr">Take a savings account, for example. When you have money in a savings account that earns interest, you receive interest on the amount you deposit and the interest you earned from the previous period. </p> <p dir="ltr">The term "compound interest" is usually used for accounts that pay a set, guaranteed interest rate (like a savings account). Money that’s invested can compound, too. Technically, your investments can earn “compound returns,” because investments don’t always grow and you don’t earn a set interest rate from them. But many people use the terms “compound interest” and “compound returns” interchangeably. </p> <p dir="ltr">For both savings and investment accounts, compound interest can work in your favor. Take a long-term approach and stay the course, and you have a better chance of your money growing over time.  </p> <h2 dir="ltr">How does compound interest work?</h2> <p dir="ltr">Compounding can be confusing, so here’s an example. </p> <p dir="ltr">Suppose you open an investment account with an initial deposit of $100, and you earn a hypothetical, conservative 6% annual return. </p> <ul> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>Year 1</strong>: After one year, you’d have a balance of $106: your original $100 plus $6 in gains. </p> </li> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>Year 2</strong>: You leave your $106 invested, and a year later, you notice you have more than expected. Your balance is now just over $112. </p> </li> </ul> <p dir="ltr"></p> <p dir="ltr">So what happened? Since your investment was compounding, your returns in year 2 were calculated using your new year 1 total of $106. You then earned another 6% in year 2 — or $106 plus a little more than $6 in returns. </p> <p dir="ltr">Extend this example a few years or even decades out, and your balance will likely be higher. In 10 years, with markets growing at the same average annual rate of 6%, you’d have about $179, or almost 80% more than your initial investment, without having invested any more money!</p> <p dir="ltr">Just remember that 6% annual returns is a conservative estimate. The market has recorded average annual returns of 9.5% since the <a href="https://www.acorns.com/learn/investing/what-is-sp500/">S&P 500</a> was started nearly 100 years ago. Using higher average annual returns would, of course, change our hypothetical example and boost your results. </p> <p dir="ltr">But it’s important to set conservative, realistic expectations when thinking about the growth of your money. No one really knows what will happen in the future, and if history will repeat itself. So by being conservative, you’re less likely to be caught off guard. </p> <p dir="ltr">In other words, if you plan for 6% and get 9.5%, that’s a pleasant surprise. But planning for 9.5% and getting 6% could be a costly setback. </p> <p dir="ltr">It’s also important to know compound interest can also work against you. For example, when you don’t pay off your credit card in full each month, the issuer charges you daily interest on your unpaid balance and unpaid interest. In other words, more interest is added on top of what you already owe. </p> <h2 dir="ltr">Benefits of compound interest</h2> <p dir="ltr">The potential benefits of compounding can’t be stressed enough. From its potential for long-term growth to the opportunity to build wealth, compounding is one reason that investing is worthwhile.</p> <h3 dir="ltr">Long-term growth</h3> <p dir="ltr">When you invest early and often, you give your money more time and more opportunities to take advantage of the potential power of compounding. </p> <p dir="ltr">Every time you add money to your account, you’re effectively letting the market and compounding do what it does best — and that’s to give it the chance to grow. Historically, the market has always grown over time. </p> <p dir="ltr">When your investments compound, you’re not just earning today’s price minus yesterday’s. You’re also earning money on your previous gains.</p> <h3 dir="ltr">A key to building wealth</h3> <p dir="ltr">For long-term investors, compounding can be one key to building wealth. That’s because compounding is interest or returns you earn on your initial investment plus your accumulated gains. </p> <p dir="ltr">When you start investing, compounding may not seem all that fruitful. But over time those gains can add up. </p> <p dir="ltr">It's important to remember that compounding can have the biggest impact if you give it time. Ten years isn’t all that much time when you’re thinking about your long-term goals. Imagine what compounding could do 20 or even 30 years down the road. </p> <h3 dir="ltr">Great way to save for retirement  </h3> <p dir="ltr">Similarly, saving for retirement isn't something you can achieve overnight. It can take multiple decades to save enough to one day hit your “magic” number. </p> <p dir="ltr">That’s why most experts say to start investing for retirement as early as possible. When you start early, you’re giving your initial investment and accumulated returns more time to potentially compound. The boost from compounding may be just what you need to get over the finish line.</p> <h2 dir="ltr">How to calculate compound interest</h2> <p dir="ltr">Before you break out your TI-83, here’s a look at the formula for calculating compound interest and returns. </p> <p class="hide-on-mobile hide-on-tablet" dir="ltr"><img src="https://sqy7rm.media.zestyio.com/Compound-Interest-Formula-Desktop.png" data-id="3-eeda76d-70zwqr" title="compound interest formula" alt="compound interest formula" width="758" height="411" style="float: unset; width: 100%; height: 100%; margin-right: 0;"></p> <p class="hide-on-desktop" dir="ltr"><img src="https://sqy7rm.media.zestyio.com/Compound-Interest-Formula-Mobile.png" data-id="3-eeda76a-xcvd12" title="compound interest formula" alt="compound interest formula" style="float: unset; width: 100%; height: 100%; margin-right: 0;"><strong></strong></p> <h3 dir="ltr"><strong>Compound Interest Formula</strong></h3> <p dir="ltr"><strong>A = P(1 + r/n)nt</strong></p> <ul> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>P</strong> is your initial principal or investment. This is the amount you start investing or saving with.</p> </li> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>r </strong>is the interest rate or returns you expect to receive. Remember, this is an average, so some years have higher gains and some have bigger losses. </p> </li> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>n</strong> is the number of times interest is compounded per year. The most common compounding periods are daily, monthly, and annually. </p> </li> <li dir="ltr" style="list-style-type: disc;" aria-level="1"> <p dir="ltr" role="presentation"><strong>t</strong> is the length of time you plan to borrow, invest, or save. Long-term investors should try to think about this variable in decades, rather than months or years. </p> </li> </ul> <p dir="ltr"></p> <p dir="ltr">Hopefully, this formula doesn’t give you nightmares of high school algebra, but if it does, there are easier ways to calculate compound interest, especially for investors. </p> <h3 dir="ltr"><a href="https://app.adjust.com/7lk2u14_arni50f?fallback=https://signup.acorns.com/signup/">Sign up today and set a recurring investment</a></h3> <p></p> <h3 dir="ltr">How to use this compound interest calculator</h3> <p dir="ltr">This compound interest calculator can help you calculate your potential returns. Try out different numbers to see how much your investment could change over time. Many of the input fields should remind you of the compound interest formula above</p> <p dir="ltr"><strong>Initial deposit</strong>: This is your investment on Day 1, or how much you’ll be starting with.</p> <p dir="ltr"><strong>Contributions</strong>: If you plan on investing on an ongoing basis, you can enter an ongoing contribution amount. This way, you can see how using a consistent investment strategy (or <a href="https://www.acorns.com/learn/investing/what-is-dollar-cost-averaging/">dollar-cost averaging</a>) could impact your investment’s potential growth.</p> <p dir="ltr"><strong>Contribution frequency</strong>: Since every investor is different, you can pick how frequently or infrequently you plan to make those contributions. Maybe it’s one dollar a day from your <a href="https://www.acorns.com/round-ups/">Acorns Round-Ups®</a>, or maybe you like the idea of investing $100 at the end of each month with a <a href="https://www.acorns.com/recurring-investments/">Recurring Investment</a>.</p> <p dir="ltr"><strong>Average annual return</strong>: This is the percentage you expect your investments to grow each year. When you’re investing, it’s unlikely you’ll get a steady return of 7%, or any other amount — the stock market can go up and down daily and even yearly. </p> <p dir="ltr">But history shows that the U.S. stock market has always grown over time, so this annual return represents how you expect your investments to grow on average and over the long term, not every single year. A 7% return is an estimate based on the growth of the general market over the last hundred years, but more conservative investors may consider reducing this.</p> <p dir="ltr"><strong>Years to grow</strong>: This is your investment horizon, or how long you plan to leave your money invested. </p> <h3 dir="ltr">The Rule of 72</h3> <p dir="ltr">Another way to quickly calculate potential compound interest is with the Rule of 72. The Rule of 72 is a quick formula for estimating how long it would take to double your investment. </p> <p dir="ltr">Divide 72 by your expected annual rate of return and the result is the years you’ll have to wait before your investment doubles. </p> <p dir="ltr">For example, if you expect to earn an average annual return of 7%, you’d have to wait a little over 8 years before your $100 becomes $200. </p> <p dir="ltr">Don’t let this napkin math guide your investment strategy, but as a launching pad, the Rule of 72 can be helpful. </p> <h2 dir="ltr">Simple interest vs. compound interest </h2> <p dir="ltr">Simple interest is a little different from compound interest. You’ll typically see simple interest rates charged annually on mortgages, car loans, or personal loans. </p> <p dir="ltr">To figure out how much interest you might owe if you're being charged a simple interest rate, multiply the principal balance by the annual interest rate and number of years on the loan.  </p> <p dir="ltr">As a general rule of thumb, simple interest favors borrowers and compound interest favors investors. That’s because simple interest is calculated based on your principal balance. If you take out a $1,000 car loan with a simple interest rate of 5% for 5 years, you would end up paying a total of $250 in interest on the debt. </p> <p dir="ltr">Now let's say you used the same example with compound interest. Then you would owe a percentage of both the original loan balance plus any of the previously accumulated interest. That could really add to your bill.</p> <p dir="ltr">But compounding, as we’ve seen, can work in your favor as an investor. When you invest in the market, you're hoping to earn a return on your principal investment. So, in this case, you wouldn’t want to accumulate returns just on that initial investment. You also want to earn returns on top of everything you’ve earned so far. </p> <p dir="ltr">That's what you can get with compound interest. You have the potential of earning on your initial investment plus gains from previous periods.</p> <h2 dir="ltr">How to take advantage of compounding</h2> <p dir="ltr">Compound interest can be a force that propels your investments further — here are three ways that might help you take advantage of it.</p> <h3 dir="ltr">1. Invest early</h3> <p dir="ltr">More time in the market translates into more time for your money to potentially compound, if the markets rise. If you can, start investing as soon as possible — even small amounts can add up over time. </p> <h3 dir="ltr">2. Invest often</h3> <p dir="ltr">By making consistent investments, you give your money a chance to take advantage of potential dips in the market. Over time, those small nibbles can turn into big bites. </p> <h3 dir="ltr">3. Stay diversified</h3> <p dir="ltr">There’s a reason most experts advise against putting all your eggs in one basket. A diversified portfolio holding multiple types of investments (such as <a href="https://www.acorns.com/learn/investing/bonds-vs-stocks/">stocks or bonds</a>) gives your investing portfolio a shot of weathering the storm in bad times and can help set you up for success in the long term. </p> <p dir="ltr">Getting started is simple. Open an <a href="https://www.acorns.com/invest/">Acorns Invest</a> account to access a diversified portfolio that matches your personal circumstances and financial goals. With Acorns, you can also set up <a href="https://www.acorns.com/recurring-investments/">Recurring Investments</a> — an easy way to make periodic investments that could help you take advantage of compound interest over time. </p> <h3 dir="ltr"><a href="https://app.adjust.com/7lk2u14_arni50f?fallback=https://signup.acorns.com/signup/">Start saving and investing today with Acorns</a></h3> </div> <div class="investing-goals-quiz-container" hidden> <div class="investing-goals-quiz"> <div class="quiz-header"> <img class="acorns-logo" src="https://sqy7rm.media.zestyio.com/Acorns-Logo-With-Text-2022.svg" alt="Acorns Logo" width="115" height="31" /> <div class="quiz-headline envoy-body-large envoy-header-6-tablet envoy-header-6-mobile solid-slate"> What are your investing goals? </div> <div class="quiz-subheadline envoy-body-small solid-stone"> Click below to learn more </div> </div> <div class="quiz-options-wrapper"> <div class="quiz-option active-option" data-item-id="retirement"> <div class="option-toggle bg-white"> <img class="option-icon" src="https://sqy7rm.media.zestyio.com/Quiz-Icon-Retirement.svg" alt="Retirement" width="32" height="32" /> <div class="option-title solid-stone"> Retirement </div> </div> <div class="option-details-wrapper"> <div class="option-subtitle envoy-body-small solid-slate"> Save money for retirement with our easy IRA investing options,<br class="hide-on-tablet hide-on-mobile" /> featuring SEP, Traditional, and Roth plans. </div> <a class="option-cta a5-cta" href="https://app.adjust.com/1a1d2bex_1az7uxm6?fallback=https://signup.acorns.com/"> Get started </a> </div> </div> <div class="quiz-option " data-item-id="education"> <div class="option-toggle bg-white"> <img class="option-icon" src="https://sqy7rm.media.zestyio.com/Quiz-Icon-Education.png" alt="Education" width="32" height="32" /> <div class="option-title solid-stone"> Education </div> </div> <div class="option-details-wrapper"> <div class="option-subtitle envoy-body-small solid-slate"> Financial literacy content right in your app. Learn how to grow your money,<br class="hide-on-tablet hide-on-mobile" /> investment and savings strategies, and more. </div> <a class="option-cta a5-cta" href="https://app.adjust.com/1asmbouj_1a3g9maj?fallback=https://signup.acorns.com/"> Get started </a> </div> </div> <div class="quiz-option " data-item-id="for-kids"> <div class="option-toggle bg-white"> <img class="option-icon" src="https://sqy7rm.media.zestyio.com/Quiz-Icon-Kids.svg" alt="Investments for kids" width="32" height="32" /> <div class="option-title solid-stone"> Investments for kids </div> </div> <div class="option-details-wrapper"> <div class="option-subtitle envoy-body-small solid-slate"> With Acorns Early Invest, you can start investing for the future of your loved ones. <br class="hide-on-tablet hide-on-mobile" />Our UTMA / UGMA investment account for kids features custom <br class="hide-on-tablet hide-on-mobile" />Earn rewards and education for families. </div> <a class="option-cta a5-cta" href="https://app.adjust.com/1agm5x7w_1a5m9pyf?fallback=https://signup.acorns.com/"> Get started </a> </div> </div> <div class="quiz-option " data-item-id="wealth"> <div class="option-toggle bg-white"> <img class="option-icon" src="https://sqy7rm.media.zestyio.com/Quiz-Icon-Wealth.svg" alt="Long term wealth" width="32" height="32" /> <div class="option-title solid-stone"> Long term wealth </div> </div> <div class="option-details-wrapper"> <div class="option-subtitle envoy-body-small solid-slate"> Your money is automatically invested into one of our diversified, ETF portfolios,<br class="hide-on-tablet hide-on-mobile" /> built by experts and recommended for you. Plus, easily personalize your<br class="hide-on-tablet hide-on-mobile" /> investments with a Bitcoin-linked ETF and a Custom Portfolio option which<br class="hide-on-tablet hide-on-mobile" /> allows you to add individual stocks to your portfolio. </div> <a class="option-cta a5-cta" href="https://app.adjust.com/1ad60cft_1anbqs44?fallback=https://signup.acorns.com/"> Get started </a> </div> </div> </div> </div> </div> </div> <div class="article-disclosure light-grey"> <p>This information is for illustrative purposes only. Compounding is the process in which an asset’s earnings are reinvested to generate additional earnings over time. Compound calculators do not take into consideration fees, taxes, dividend reinvestments, or other economic or market factors that may impact performance. Actual investment results may be materially different than portrayed. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principle. References to past performance do not guarantee future results. Investments cannot be made directly in an index. Unmanaged index returns do not reflect any fees, expenses, or sales charges. Investing involves risk including the loss of principal. Please consider your investment objectives, risks, charges, and expenses carefully before investing.</p> </div> <div class="author-wrapper"> <div class="image-wrapper"> <img class="author-image lazy" data-src="https://sqy7rm.media.zestyio.com/Trevir-Nath?width=60&height=60&fit=crop" alt="Trevir Nath" /> </div> <div class="copy-wrapper envoy-body solid-slate"> <p>Trevir Nath is a Senior Writer at Acorns, where he creates educational content about personal finance and investing.</p> </div> </div> </div> </div> <div class="articles-bottom-content"> <div class="content-wrapper general-envoy-component"> <div class="articles-bottom-content-wrapper"> <div class="article-bottom-headline envoy-header-5 solid-slate"> More on Investing </div> <div class="article-bottom-articles-wrapper learn-hub-mobile-overscroll-wrapper"> <a class="related-article learn-hub-article-wrapper" href="/learn/investing/how-to-stay-calm-when-markets-make-you-uneasy/"> <div class="image-wrapper"> <img class="article-image lazy" data-src="https://sqy7rm.media.zestyio.com/How-to-Stay-Calm-When-Markets-Make-You-Uneasy.jpg?width=266&height=266&fit=crop" alt="How to Stay Calm When Markets Make You Uneasy" width="266" height="266" /> </div> <div class="article-subtext"> <div class="article-category solid-slate envoy-body-small"> Investing </div> <div class="bullet-point solid-slate">•</div> <div class="article-read-time solid-slate envoy-body-small"> 2 min </div> </div> <div class="article-title envoy-body-large solid-slate"> How to Stay Calm When Markets Make You Uneasy </div> </a> <a class="related-article learn-hub-article-wrapper" href="/learn/investing/robo-advisor/"> <div class="image-wrapper"> <img class="article-image lazy" data-src="https://sqy7rm.media.zestyio.com/what-is-a-roboadvisor.jpg?width=266&height=266&fit=crop" alt="What is a Robo Advisor? 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Statements are not necessarily representative of the experience or views of other customers and are not guarantees of performance or success. Nothing here should be viewed as an endorsement or testimonial regarding Acorns Advisers LLC's investment advisory services. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued and provided by Lincoln Savings Bank or nbkc bank, Members FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18).<br><strong><br>Investing involves risk, including loss of principal. </strong>Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Investment advisory services offered by Acorns Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member <a target="_blank" data-stringify-link="https://www.finra.org/#/" delay="150" data-sk="tooltip_parent" href="https://www.finra.org/#/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">FINRA</a>/<a target="_blank" data-stringify-link="https://www.sipc.org/" delay="150" data-sk="tooltip_parent" href="https://www.sipc.org/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">SIPC</a>.</div> <div style="text-align: left;"><span data-stringify-type="paragraph-break"> </span></div> <div style="text-align: left; padding-left: 40px;"><span data-stringify-type="paragraph-break"></span>1. <strong>Round-Ups® investments </strong>are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Only purchases made with Round-Up accounts linked to your Acorns account with the feature activated are eligible for the Round- Ups® investment feature. Round-Up investments from your funding source will be processed when your Pending Round-Ups® investments reach or exceed $5. <br><br><span data-stringify-type="paragraph-break"></span></div> <p style="padding-left: 40px;">2. <strong>Acorns Checking Real-Time Round-Ups® </strong>invests small amounts of money from purchases made using an Acorns Checking account into the client’s Acorns Investment account. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window.</p> <p style="padding-left: 40px;">3. A properly suggested <strong>portfolio recommendation</strong> is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website.</p> <p style="padding-left: 40px;">4. <strong>Acorns Earn</strong> provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes. Amount earned and invested through Acorns Earn since inception as of July 1, 2024.</p> <p style="padding-left: 40px;">5. Acorns <strong>Subscription Fees</strong> are assessed based on the plan of services in which you are enrolled. Acorns does not charge transactional fees, commissions or fees based on assets for <a href="https://www.acorns.com/program-agreement/#managed-accounts">accounts under $1 million</a>. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes.</p> <p style="padding-left: 40px;" id="not-a-bank-disclosure">6.<strong> Acorns is not a bank.</strong> Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. Acorns Checking is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit <a href="https://www.cambr.com/bank-list">https://www.cambr.com/bank-list</a>. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at <a target="_blank" data-stringify-link="https://www.fdic.gov/resources/deposit-insurance/" delay="150" data-sk="tooltip_parent" href="https://www.fdic.gov/resources/deposit-insurance/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">https://www.fdic.gov/resources/deposit-insurance/</a>.</p> <p style="padding-left: 40px;">7. <strong>Early Payday </strong>depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary. <strong></strong></p> <p style="padding-left: 40px;">8.<strong> The ETFs</strong> comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.</p> <p style="padding-left: 40px;">9. <strong>Acorns does not provide access to invest directly in Bitcoin.</strong> Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment. </p> <p style="padding-left: 40px;">10. <strong>The ESG (Environmental, social, and governance) investment strategies</strong> may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.</p> <p style="padding-left: 40px;">11. <strong>Invest,</strong> an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance. </p> <p style="padding-left: 40px;">12. <strong>Later</strong>, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Please consult your tax advisor with any questions. Existing customers in Acorns Gold or Silver subscription plans can opt into the Acorns Later Match feature and receive either a 3% or 1% IRA match, respectively, on new contributions made to an Acorns Later account. New customers in these subscription plans are automatically eligible for the Later Match feature at the applicable 3% and 1% match rate. All Later funds for both new and existing customers must be held in an Acorns Later account for at least four years to keep the earned IRA match and all or a portion of IRA Match may be subject to recapture by Acorns if customer downgrades to a Subscription Plan with a lower monthly fee.<br><br>For informational purposes only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.</p> <p style="padding-left: 40px;">13. <b id="docs-internal-guid-0532bbc1-7fff-805f-cbf1-6bf6e13047b7"><span>Acorns Early Invest, </span></b>an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor.  <span>Customers in the Gold Subscription Plan are automatically eligible for a 1% "Early Match" promotion on deposits by the Customer of up to $7,000 a year per Early Account. All funds must be held in the applicable Acorns Early Account for at least four years of the Early Match deposit date or until the beneficiary reaches the applicable Age of Transfer, whichever is earlier. The Early Match will be subject to recapture by Acorns if funds are withdrawn from the Early Account during the four year period, up to the amount for which a 1% Early Match was received. The Early Match will also be subject to recapture if a customer downgrades to a Subscription Plan with a lower monthly fee within this period. </span></p> <p style="padding-left: 40px;">14. <strong>Custom Portfolios</strong> are non-discretionary investment advisory accounts, managed by the customer. Custom Portfolios are not available as a stand alone account and clients must have an Acorns Invest account. Custom portfolios are not instant trading. Clients wanting more control over order placement and execution may need to consider alternative investment platforms before adding a Custom portfolio account.</p> <p style="padding-left: 40px;">15. The <strong>Acorns Gold GoHenry Benefit</strong> is available only to Acorns subscribers who subscribe to the Acorns Gold Plan and is for the monthly GoHenry Child or Family Plan Membership Fee, subject to these Waiver Terms. You will remain responsible for any other fees that you owe under the GoHenry Cardholder Terms and Conditions that are not included in the monthly GoHenry Child or Family Plan Membership Fee, as applicable.</p> <p style="padding-left: 40px;">16. © GoHenry Inc. ("Acorns Early") All rights reserved. Acorns Early is not a bank. The Acorns Early card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Our office is located at Acorns Early, 5300 California Avenue, Irvine, CA 92617. Cardholder Terms and limits apply.</p> <p style="padding-left: 40px;">17. <strong>It is not possible to invest directly in an index.</strong> Past performance is no guarantee of future results.  </p> <p style="padding-left: 40px;">18. Acorns reserves the right to restrict or revoke any and all offers at any time.</p> <p style="padding-left: 40px;">19. <strong>Compounding</strong> is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. </p> <p style="padding-left: 40px;">20. <strong>Diversification</strong> and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.</p> <p style="padding-left: 40px;">21. App rating references the combined all-time star rating received in Google Play and Apple App Store. App Store rating as of 5/30/24.</p> <p style="padding-left: 40px;">22. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account.</p> <p style="padding-left: 40px;">23. The information contained on this website should not considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice. Please consult your tax advisor with any questions.<br><br>24. Comparisons are based on the national average Annual Percentage Yields (APY) published in the FDIC National Rates and Rate Caps as of October 16, 2023.</p> <p style="padding-left: 40px;">25. As of December 19, 2024, Mighty Oak Checking Annual Percentage Yield (APY) is 2.57% and Emergency Fund APY is 4.05%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required. Acorns is not a bank. Banking services provided by and Mighty Oak Debit Cards issued and provided by nbkc bank, Member FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18).  </p> <p style="padding-left: 40px;">26. <span>On August 21, 2024, Acorns changed the names of its Subscription Plans from "Personal," "Personal Plus," and "Premium" to "Bronze," "Silver," and "Gold." No other changes were made to the Subscription Plans at that time. </span></p> <p style="padding-left: 40px;"><span>27. Over $22 billion invested since inception as of 6/26/2024.  </span></p> <p style="padding-left: 40px;"><span>28. Amount invested from Round-Ups alone since inception as of July 31, 2024.   </span></p> <p style="padding-left: 40px;"><span>29. Reviews are solely applicable to Acorns Early, not any other Acorns product or service. Reviews are not representative of the experience of all customers and are not guarantees of future performance or success. For a larger representative sample, refer to Acorns Early reviews available online and on public review forums such as the Apple App Store and Google Play Store.</span></p> <p style="padding-left: 40px;">30. Acorns was rated by TIME as a World’s Best Brand in 2024 in the Finance and Insurance Industry, Neobanking and Neobrokerage category.  The ranking evaluated 330 top brands in the U.S. TIME and Statista surveyed more than 22,000 U.S. consumers about brands across 66 categories spanning a wide array of consumer-facing industries. <a href="https://time.com/7177358/worlds-best-brands-united-states-2024/">https://time.com/7177358/worlds-best-brands-united-states-2024/</a>.</p> <p style="padding-left: 40px;">31. Acorns was rated by GoBankingRates as a Best Neobank in 2025. To determine rankings for the Best Neobanks of 2025, GOBankingRates analyzed the following factors: (1) monthly checking fee ratio (percent the minimum to avoid fee compared to the monthly fee itself); (2) minimum needed to earn APY; (3) APY ; (4) products/services offered (credit cards and investment services); (5) the average mobile app rating between the Google Play (Android) and Apple stores; and (6) number of extra benefits and perks unique to neobanks. All factors were then scored and combined, with the lowest score being the best. Factors (1) and (2) were weighed 0.5 times, and factors (3) and (6) were weighed 2 times. All products and offerings had to be available as of Nov. 1, 2024, to be considered. <a href="https://www.gobankingrates.com/banking/banks/best-neobanks/">https://www.gobankingrates.com/banking/banks/best-neobanks/</a>.</p> <p style="padding-left: 40px;">32. Acorns was rated by GoBankingRates as a Best High-Yield Account in 2025. To determine rankings, GOBankingRates looked at the following factors from all evaluated banks: (1) minimum deposit to open an account; (2) monthly savings fee ratio (percent the minimum to avoid fee compared to the monthly fee itself); (3) minimum needed to earn APY; (4) APY; and (5) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (2) and (3) weighed 1.5 times, factor (4) weighed 4 times; and factor (5) weighed 0.5 times. To be considered for the best rates, the product offered had to have an APY above 0.45%. All products and offerings had to be available as of Nov. 1, 2024, to be considered. <a href="https://www.gobankingrates.com/banking/savings-account/best-high-yield-savings-accounts/">https://www.gobankingrates.com/banking/savings-account/best-high-yield-savings-accounts/</a>.</p> <div><span data-stringify-type="paragraph-break"></span>Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. </div> <div><span data-stringify-type="paragraph-break"> </span></div> <div><span data-stringify-type="paragraph-break"></span>For additional important risks, disclosures, and information, please visit <a target="_blank" data-stringify-link="https://www.acorns.com/terms/" delay="150" data-sk="tooltip_parent" href="https://www.acorns.com/terms/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">https://www.acorns.com/terms/</a></div> <div> </div> <div>© 2025 Acorns Grow Incorporated | <a target="_blank" data-stringify-link="https://www.acorns.com/disclosures" delay="150" data-sk="tooltip_parent" href="https://www.acorns.com/disclosures" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">Disclosures</a> | <a target="_blank" data-stringify-link="https://www.acorns.com/accessibility" delay="150" data-sk="tooltip_parent" href="https://www.acorns.com/accessibility" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">Accessibility</a></div> </div> </footer> </div> </div> <div class="sticky-action-button-container initially-hidden-on-mobile user-has-not-scrolled-on-mobile"> <div class="sticky-action-button"> <div class="main-content-container"> <img src="https://sqy7rm.media.zestyio.com/App-Icon.B1s9Xy3z9.svg" alt="Acorns Logo" /> <div class="copy-wrapper"> <div class="company-name"> Acorns </div> <div class="sub-text"> Invest spare change </div> </div> </div> <a class="sticky-action-cta md-703-track hide-on-mobile " href="https://app.adjust.com/lk0lfh8_l7g8ijs?fallback=https://signup.acorns.com/signup/" data-track-id="stickyActionCtaDesktop" > Get started </a> <a class="sticky-action-cta md-703-track hide-on-desktop " href="https://app.adjust.com/lk0lfh8_l7g8ijs?fallback=https://signup.acorns.com/signup/" data-track-id="stickyActionCtaMobile" > Get the app </a> <div class="close-button hide-on-desktop">✕</div> </div> </div>  <style>.anti-flicker, .anti-flicker * {visibility: hidden !important; display: none !important; opacity: 0 !important;}</style> <script>(function(e,t,p){var n=document.documentElement,s={p:[],r:[]},u={p:s.p,r:s.r,push:function(e){s.p.push(e)},ready:function(e){s.r.push(e)}};e.intellimize=u,n.className+=" "+p,setTimeout(function(){n.className=n.className.replace(RegExp(" ?"+p),"")},t)})(window, 4000, 'anti-flicker')</script> <link rel="preload" href="https://cdn.intellimize.co/snippet/117542590.js" as="script"> <script src="https://cdn.intellimize.co/snippet/117542590.js" async onerror="document.documentElement.className = document.documentElement.className.replace(RegExp(' ?anti-flicker'), '');"></script> <link rel="preconnect" href="https://api.intellimize.co" crossorigin> <link rel="preconnect" href="https://117542590.intellimizeio.com"> <link rel="preconnect" href="https://log.intellimize.co" crossorigin>   <img src="https://d21y75miwcfqoq.cloudfront.net/f724cd6e" style="position: absolute" referrerpolicy="no-referrer-when-downgrade">   <script data-cfasync="false"> window.interdeal = { sitekey : "8c4d55ffb115a5fb7bc4ed4c59fa95c0", Position : "left", Menulang : "EN", domains : { js : "https://aacdn.nagich.com/", acc : "https://access.nagich.com/" }, btnStyle : { vPosition : ["80%",undefined], // Y-axis position of the widget, left side is reffering to the desktop version, the right side is for mobile. scale : ["0.5","0.5"], // Size of the widget, the left side is referring to the desktop version, the right side is for mobile. icon : { type : 11, // You can choose between 1- 14 icons, or set value as string like "Accessibility". shape : "circle", // You can choose the following shapes: "circle", "rectangle", "rounded", "semicircle". outline : true // true / false. }, color : { main : "#2e8500", second : "#fff" } } } </script> <script> (function(doc, head, body){ var coreCall = doc.createElement('script'); coreCall.src = 'https://aacdn.nagich.com/core/4.2.1/accessibility.js'; coreCall.defer = true; coreCall.integrity = 'sha512-RoBJzx90QrN0gC7WfhEIJRxInvLiYuAHS4D/f5h5iRt31pElVr2z7MtGOD+XBK0rKq8mjQaic2jX5gzTZ7WGZQ=='; coreCall.crossOrigin = 'anonymous'; coreCall.setAttribute('data-cfasync', true ); body? body.appendChild(coreCall) : head.appendChild(coreCall); })(document, document.head, document.body); </script>   <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5Z5XQQ" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <script> (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push( {'gtm.start': new Date().getTime(),event:'gtm.js'} );var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= '//www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-5Z5XQQ'); </script> </body></html>

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