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Acorns - Invest, Earn, Grow, Spend, Later | Acorns | Acorns
<!DOCTYPE html><html lang="en-us"><head><title>Acorns - Invest, Earn, Grow, Spend, Later | Acorns | Acorns</title><meta property="og:type" content="website" /><meta property="og:title" content="Acorns - Invest, Earn, Grow, Spend, Later | Acorns" /><meta name="twitter:title" content="Acorns - Invest, Earn, Grow, Spend, Later | Acorns"><meta property="og:description" content="Acorns helps you save & invest. Invest spare change, bank smarter, earn bonus investments, and more! Get started." /><meta property="twitter:description" content="Acorns helps you save & invest. Invest spare change, bank smarter, earn bonus investments, and more! 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Fixes issue that occurs for first each loop on a page when not preceded by an if conditional. --> <div id="header-nav-desktop" class="hide-on-md"> <div class="main-content-wrapper"> <div class="header-nav-left"> <a class="logo-wrapper" href="/" data-track-id="redesignedHeaderLogo"> <img src="https://sqy7rm.media.zestyio.com/Acorns-Logo.svg" alt="Acorns logo" /> </a> <div class="header-nav-item nav-item-with-children"> Investing <img class="inline-nav-arrow" src="https://sqy7rm.media.zestyio.com/Downward-Carat.svg" alt="Downward arrow" /> <div class="header-nav-item-submenu"> <a class="header-nav-submenu-container" href="/invest" data-track-id="redesignedHeaderInvest"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/Invest-Icon-24x24.svg" alt="Invest" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Invest </div> <p class="nav-submenu-subtitle"> Investment 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class="header-nav-item nav-item-with-children"> <span class="nav-item-with-children-title"> Investing <img class="inline-nav-arrow" src="https://sqy7rm.media.zestyio.com/Downward-Carat.svg" alt="Downward arrow" /> </span> <div class="header-nav-item-submenu"> <a class="header-nav-submenu-container" href="/invest" data-track-id="redesignedHeaderInvest"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Invest </div> <p class="nav-submenu-subtitle"> Investment account </p> </div> </a> <a class="header-nav-submenu-container" href="/later" data-track-id="redesignedHeaderLater"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Later </div> <p class="nav-submenu-subtitle"> Retirement </p> </div> </a> <a class="header-nav-submenu-container" href="/early-invest/" data-track-id="redesignedHeaderEarly"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Early Invest </div> <p class="nav-submenu-subtitle"> Invest for kids </p> </div> </a> <a class="header-nav-submenu-container" href="/esg-investing" data-track-id="redesignedHeaderSustainable"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Sustainable </div> <p class="nav-submenu-subtitle"> Sustainable ESG portfolios </p> </div> </a> <a class="header-nav-submenu-container" href="/bitcoin-etf/" data-track-id="redesignedHeaderBitsOfBitcoin"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Bits of Bitcoin </div> <p class="nav-submenu-subtitle"> Bitcoin ETF </p> </div> </a> </div> </div> <a class="header-nav-item " href="/mighty-oak-card/" data-track-id="redesignedHeaderSpend"> Banking </a> <a class="header-nav-item " href="/earn" data-track-id="redesignedHeaderEarn"> Earning </a> <a class="header-nav-item " href="/learn/" data-track-id=""> Learning </a> <a class="header-nav-item " href="/early/" data-track-id=""> Kids </a> <a class="header-nav-item pricing-link" href="/pricing" data-track-id="redesignedHeaderPricing"> Pricing </a> <hr class="log-in-divider header-nav-item"> <a class="log-in-link header-nav-item" href="https://app.acorns.com/" data-track-id="headerLoginMobile"> Log in </a> </div> </div> <div class="added-mobile-spacing hide-on-desktop"></div> <div class="homepage-hero-carousel-section add-header-padding"> <div class="homepage-hero-carousel-wrapper"> <div class="homepage-hero-carousel"> <div class="carousel-slide acorns-app"> <div class="content-wrapper general-envoy-component"> <div class="carousel-copy-wrapper"> <h2 class="slide-headline envoy-header-2 solid-slate" style="max-width: 650px;"> Acorns<br class="hide-on-desktop hide-on-tablet" /> helps you<br class="hide-on-desktop hide-on-tablet" /> save & invest </h2> <div class="slide-body envoy-body-large solid-slate" style="max-width: 460px;"> Invest spare change,<br class="lg-mobile-only" /> invest while you bank, earn<br class="lg-mobile-only" /> bonus investments, and more. </div> <a class="slide-cta a5-cta" href="https://app.adjust.com/1a4b3x46_1awuim6v?fallback=https%3A%2F%2Fsignup.acorns.com%2F"> Get started </a> </div> <div class="carousel-image-wrapper"> <picture> <source media="(max-width: 767px)" srcset="https://sqy7rm.media.zestyio.com/Revamp-Hero-Carousel-02-Mob-NoShadow.png" width="1125" height="651" /> <img class="carousel-image" src="https://sqy7rm.media.zestyio.com/Revamp-Hero-Carousel-02-Desk-NoShadow-Resize.jpg" alt="Image of " width="1440" height="821" /> </picture> </div> <div class="slide-gradient"></div> </div> </div> <div class="carousel-slide charcoal-bg-theme limit-mobile-img-to-450"> <div class="content-wrapper general-envoy-component"> <div class="carousel-copy-wrapper"> <h2 class="slide-headline envoy-header-2 solid-slate" style="max-width: 570px;"> Invest in Bits of Bitcoin </h2> <div class="slide-body envoy-body-large solid-slate" style="max-width: 455px;"> Ride Bitcoin’s highs and ride out its lows by allocating up to 5% of your already-diversified portfolio towards a Bitcoin-linked ETF. </div> <a class="slide-cta a5-cta" href="https://app.adjust.com/1a4b3x46_1awuim6v?fallback=https%3A%2F%2Fsignup.acorns.com%2F"> Get started </a> </div> <div class="carousel-image-wrapper"> <picture> <source media="(max-width: 767px)" srcset="https://sqy7rm.media.zestyio.com/Bitcoin-Mob-Img.png" width="1125" height="651" /> <img class="carousel-image" src="https://sqy7rm.media.zestyio.com/Home-Page-Carousel---Bitcoin_Desktop.png" alt="Image of " width="1440" height="821" /> </picture> </div> <div class="slide-gradient"></div> </div> </div> <div class="carousel-slide later-match"> <div class="content-wrapper general-envoy-component"> <div class="carousel-copy-wrapper"> <div class="slide-tagline envoy-tagline solid-slate"> Acorns Later </div> <h2 class="slide-headline envoy-header-2 solid-slate" style="max-width: 570px;"> We’ll put our <br class="hide-on-desktop hide-on-tablet" /> money into <br class="hide-on-desktop hide-on-tablet" /> your future </h2> <div class="slide-body envoy-body-large solid-slate" style="max-width: 455px;"> Get a Gold subscription and we’ll boost your retirement with a 3% IRA match on new contributions to your Acorns Later retirement account. </div> <a class="slide-cta a5-cta" href="https://app.adjust.com/1a4b3x46_1awuim6v?fallback=https%3A%2F%2Fsignup.acorns.com%2F"> Get started </a> <div class="slide-disclosures hide-on-mobile"> <a class="solid-stone" href="/later-match-terms/">Terms apply.</a> </div> </div> <div class="carousel-image-wrapper"> <picture> <source media="(max-width: 767px)" srcset="https://sqy7rm.media.zestyio.com/Acorns-LaterMatch-Hp-Updt-Desk.png" width="1125" height="651" /> <img class="carousel-image" src="https://sqy7rm.media.zestyio.com/Acorns-LaterMatch-Hp-Updt-Mob.jpg" alt="Image of Acorns Later" width="1440" height="821" /> </picture> </div> <div class="slide-disclosures hide-on-desktop hide-on-tablet"> <a class="solid-stone" href="/later-match-terms/">Terms apply.</a> </div> <div class="slide-gradient"></div> </div> </div> <div class="carousel-slide early-rebrand"> <div class="content-wrapper general-envoy-component"> <div class="carousel-copy-wrapper"> <div class="slide-tagline envoy-tagline solid-slate"> Acorns Early </div> <h2 class="slide-headline envoy-header-2 solid-slate" style="max-width: 570px;"> Smart money app and debit card for kids </h2> <div class="slide-body envoy-body-large solid-slate" style="max-width: 453px;"> Grow your kids’ money skills with Acorns Early — a smart money app and debit card made just for them. </div> <a class="slide-cta a5-cta" href="/early/"> Learn more </a> </div> <div class="carousel-image-wrapper"> <picture> <source media="(max-width: 767px)" srcset="https://sqy7rm.media.zestyio.com/GH-Early-Homepage-Carousel-Updt-Mob-3x.jpg" width="1125" height="651" /> <img class="carousel-image" src="https://sqy7rm.media.zestyio.com/GH-Early-Homepage-Carousel-Updt-Desk-3x.jpg" alt="Image of Acorns Early" width="1440" height="821" /> </picture> </div> <div class="slide-gradient"></div> </div> <div class="slide-pill white bg-gohenry-red"> Formerly GoHenry </div> </div> </div> </div> </div> <div class="standalone-tech-statement-wrapper tech-statement-wrapper"> <div class="tech-statement light-grey"> Acorns is not a bank. Acorns Visa™ debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders. </div> </div> <div class="homepage-compound-interest-calculator bg-ecru"> <div class="calculator-content-container"> <script src="https://sqy7rm.media.zestyio.com/jquery-ui.js"></script> <script src="https://code.highcharts.com/highcharts.js"></script> <div id="learn-hub-calculator" class="compound-interest-calculator"> <div class="compound-interest-content-wrapper content-wrapper 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"> See your potential </h1> <div class="calculator-subheadline envoy-body solid-slate"> Check out our compound interest calculator to see just how much the power of time and compound interest can help your money grow. </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" class="contribution-frequency" name="contribution-frequency" value="weekly" checked> <label for="weekly"> Weekly </label> </div> <div class="radio-option-wrapper"> <input type="radio" id="daily" class="contribution-frequency" name="contribution-frequency" value="daily"> <label for="daily"> Daily </label> </div> </div> </div> <div class="years-to-grow-segment sidebar-segment"> <label class="years-to-grow-label calculator-label envoy-tagline" for="years-to-grow"> Years to grow </label> <div class="years-to-grow-wrapper calculator-input-wrapper"> <input id="years-to-grow" class="percentage-input number-input" type="number" placeholder="20" style="width: 2ch;" readonly> <span class="years-to-grow-suffix text-suffix"> years</span> </div> <div class="years-to-grow-slider-wrapper"> <div class="years-to-grow-slider"> <div class="slider-progress bg-acorns-green" style="width: calc((20 / 65) * 100%);"></div> </div> <div class="years-to-grow-draggable-expanded-area"> <div class="years-to-grow-icon-wrapper"> <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 class="dropdown-upward-carat-wrapper"> <img class="dropdown-upward-carat" src="https://sqy7rm.media.zestyio.com/Share-Module-Pointer.svg" alt="Arrow pointing up"> </div> <div class="social-share-dropdown"> <div class="dropdown-header"> <div class="dropdown-title solid-slate"> Share </div> </div> <div class="dropdown-item-row"> <div class="social-share-copy-link dropdown-item"> <div class="item-icon-wrapper bg-ivory"> <img class="item-icon" src="https://sqy7rm.media.zestyio.com/Share-Module-Link.svg" alt="Icon of links in a chain"> </div> <div class="item-title solid-slate"> Copy link </div> </div> <div class="social-share-twitter dropdown-item"> <div class="item-icon-wrapper bg-ivory"> <img class="item-icon" src="https://sqy7rm.media.zestyio.com/Share-Module-Twitter.svg" alt="Twitter logo"> </div> <div class="item-title solid-slate"> Twitter </div> </div> <div class="social-share-facebook dropdown-item"> <div class="item-icon-wrapper bg-ivory"> <img class="item-icon" 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> <div class="hero-subsection-section"> <div class="header-copy-wrapper general-envoy-component"> <div class="hero-subsection-tagline envoy-tagline solid-slate uppercase-text"> SAY HELLO TO ACORNS </div> <div class="hero-subsection-headline envoy-header-2 solid-slate"> Save, invest and learn from one easy app </div> </div> <div class="hero-subsection-wrapper"> <div class="background bg-white"></div> <div class="bubble bg-ecru"> <div class="bubble-counter-scale"> <div class="subsection-carousel-section"> <div class="subsection-carousel-content-container"> <div class="subsection-carousel-content-wrapper"> <div class="subsection-carousel-nav-conatiner"> <div class="subsection-carousel-nav-wrapper"> <div class="subsection-carousel-nav-item"> <div class="content-wrapper"> <img class="slide-icon" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Carousel-Icon-1.svg" alt="INVEST Icon" /> <div class="slide-title envoy-tagline white"> INVEST </div> </div> </div> <div class="subsection-carousel-nav-item"> <div class="content-wrapper"> <img class="slide-icon" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Carousel-Icon-2.svg" alt="LATER Icon" /> <div class="slide-title envoy-tagline white"> LATER </div> </div> </div> <div class="subsection-carousel-nav-item"> <div class="content-wrapper"> <img class="slide-icon" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Carousel-Icon-3.svg" alt="EARLY Icon" /> <div class="slide-title envoy-tagline white"> EARLY </div> </div> </div> <div class="subsection-carousel-nav-item"> <div class="content-wrapper"> <img class="slide-icon" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Carousel-Icon-4.png" alt="BANKING Icon" /> <div class="slide-title envoy-tagline white"> BANKING </div> </div> </div> </div> </div> <div class="subsection-carousel-conatiner"> <div class="subsection-carousel-wrapper"> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="image-wrapper"> <img class="phone-image lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Personal-Investing--1-.png" alt="Phone showing INVEST" /> </div> <div class="copy-wrapper hide-on-mobile"> <div class="slide-tagline envoy-tagline solid-slate"> PERSONAL INVESTING </div> <div class="slide-headline envoy-header-4 envoy-header-5-sm-desktop solid-slate"> Easy, automated investing </div> <div class="slide-body envoy-body envoy-body-small-sm-desktop solid-slate"> Give your money a chance to work towards your financial goals with Round-Ups®, expert-built, diversified portfolios, Recurring Investments, and more. </div> <a class="slide-cta a5-cta" href="/invest/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="image-wrapper"> <img class="phone-image lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Later--1-.png" alt="Phone showing LATER" /> </div> <div class="copy-wrapper hide-on-mobile"> <div class="slide-tagline envoy-tagline solid-slate"> Investing for retirement </div> <div class="slide-headline envoy-header-4 envoy-header-5-sm-desktop solid-slate"> Later starts today </div> <div class="slide-body envoy-body envoy-body-small-sm-desktop solid-slate"> Invest for retirement with our easy Individual Retirement Accounts (IRAs) and get potential tax advantages. </div> <a class="slide-cta a5-cta" href="/later/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="image-wrapper"> <img class="phone-image lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Early--1-.png" alt="Phone showing EARLY" /> </div> <div class="copy-wrapper hide-on-mobile"> <div class="slide-tagline envoy-tagline solid-slate"> investing for kids </div> <div class="slide-headline envoy-header-4 envoy-header-5-sm-desktop solid-slate"> Early for kids </div> <div class="slide-body envoy-body envoy-body-small-sm-desktop solid-slate"> Time goes fast. Invest in the kids you love now. Start with $5 and give your kids an easy, automated head start. </div> <a class="slide-cta a5-cta" href="/early/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="image-wrapper"> <img class="phone-image lazy" data-src="https://sqy7rm.media.zestyio.com/2023-Updated-Home-Banking.png" alt="Phone showing BANKING" /> </div> <div class="copy-wrapper hide-on-mobile"> <div class="slide-tagline envoy-tagline solid-slate"> BANKING </div> <div class="slide-headline envoy-header-4 envoy-header-5-sm-desktop solid-slate"> Banking that saves & invests for you </div> <div class="slide-body envoy-body envoy-body-small-sm-desktop solid-slate"> Save with no hidden fees, invest spare change in real-time with every swipe of your Acorns debit card, and invest automatically from every paycheck </div> <a class="slide-cta a5-cta" href="/banking/"> Get started </a> </div> </div> </div> </div> </div> </div> <div class="mobile-subsection-carousel hide-on-desktop hide-on-tablet"> <div class="mobile-subsection-carousel-content-wrapper"> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="copy-wrapper"> <div class="slide-headline envoy-header-4 envoy-header-6-xs-mobile solid-slate"> Easy, automated investing </div> <div class="slide-body envoy-body solid-slate"> Give your money a chance to work towards your financial goals with Round-Ups®, expert-built, diversified portfolios, Recurring Investments, and more. </div> <a class="slide-cta a5-cta" href="/invest/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="copy-wrapper"> <div class="slide-headline envoy-header-4 envoy-header-6-xs-mobile solid-slate"> Later starts today </div> <div class="slide-body envoy-body solid-slate"> Invest for retirement with our easy Individual Retirement Accounts (IRAs) and get potential tax advantages. </div> <a class="slide-cta a5-cta" href="/later/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="copy-wrapper"> <div class="slide-headline envoy-header-4 envoy-header-6-xs-mobile solid-slate"> Early for kids </div> <div class="slide-body envoy-body solid-slate"> Time goes fast. Invest in the kids you love now. Start with $5 and give your kids an easy, automated head start. </div> <a class="slide-cta a5-cta" href="/early/"> Get started </a> </div> </div> </div> <div class="subsection-carousel-item"> <div class="content-wrapper"> <div class="copy-wrapper"> <div class="slide-headline envoy-header-4 envoy-header-6-xs-mobile solid-slate"> Banking that saves & invests for you </div> <div class="slide-body envoy-body solid-slate"> Save with no hidden fees, invest spare change in real-time with every swipe of your Acorns debit card, and invest automatically from every paycheck </div> <a class="slide-cta a5-cta" href="/banking/"> Get started </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="product-image-container"> <img class="earn-image product-image" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Icon-1.svg" alt="Earn" /> <img class="early-image product-image" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Icon-2.png" alt="Early" /> <img class="banking-image product-image" src="https://sqy7rm.media.zestyio.com/card--banking-.png" alt="Banking" /> <img class="learn-image product-image" src="https://sqy7rm.media.zestyio.com/card--learn-.png" alt="Learn" /> <img class="later-image product-image" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Icon-5.png" alt="Later" /> <img class="invest-image product-image" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Hero-Subs-Icon-6.png" alt="Invest" /> </div> </div> <div class="spacer"></div> </div> <div id="rotating-text-component-1" class="rotating-text-component"> <div class="rotating-text-tagline envoy-tagline solid-slate uppercase-text"> A BETTER WAY TO INVEST </div> <div class="rotating-copy-wrapper"> <h2 class="rotating-headline envoy-header-1"> Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - Why Acorns - </h2> </div> </div> <div id="content-left-image-right-component-1" class="content-left-image-right-component"> <div class="copy-wrapper"> <div class="headline envoy-header-5 solid-slate"> Automatically save and invest with Round-Ups® feature </div> <div class="body envoy-body solid-slate"> Every purchase you make means an opportunity to invest your spare change! So coffee for $3.25 becomes a $0.75 investment in your future. </div> </div> <div class="image-wrapper"> <img class="image-asset lazy" src="https://sqy7rm.media.zestyio.com/Envoy-Home-CLIR-1.png?width=50&fit=bounds" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-CLIR-1.png" alt="Automatically save and invest with Round-Ups® feature"> </div> </div> <div id="image-left-content-right-component-1" class="image-left-content-right-component"> <div class="image-wrapper"> <img class="image-asset lazy" src="https://sqy7rm.media.zestyio.com/Envoy-Home-ILCR-1.png?width=50&fit=bounds" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-ILCR-1.png" alt="Expert-built portfolios, suggested for you"> </div> <div class="copy-wrapper"> <div class="headline envoy-header-5 solid-slate"> Expert-built portfolios, suggested for you </div> <div class="body envoy-body solid-slate"> Acorns diversified portfolios are built by experts and include ETFs managed by pros at the world’s top investment firms like Vanguard and BlackRock. </div> </div> </div> <div id="content-left-image-right-component-2" class="content-left-image-right-component"> <div class="copy-wrapper"> <div class="headline envoy-header-5 solid-slate"> Plus more ways to save, invest and learn </div> <div class="body envoy-body solid-slate"> Along with your investment account, you get an easy, automated retirement account, banking that saves and invests for you, bonus investments when you shop with thousands of brands and unique ways to grow your knowledge. </div> </div> <div class="image-wrapper"> <img class="image-asset lazy" src="https://sqy7rm.media.zestyio.com/Envoy-Home-CLIR-2.png?width=50&fit=bounds" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-CLIR-2.png" alt="Plus more ways to save, invest and learn"> </div> </div> <div id="image-left-content-right-component-3" class="image-left-content-right-component"> <div class="image-wrapper"> <img class="image-asset lazy" src="https://sqy7rm.media.zestyio.com/Banking---Security-Strong-as-Oak-1--1-.ryrm9Cjy3.png?width=50&fit=bounds" data-src="https://sqy7rm.media.zestyio.com/Banking---Security-Strong-as-Oak-1--1-.ryrm9Cjy3.png" alt="Security & Protection"> </div> <div class="copy-wrapper"> <div class="headline envoy-header-5 solid-slate"> Security & Protection </div> <div class="body envoy-body solid-slate"> Acorns Invest, Later & Early accounts are SIPC-protected up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit <a href="https://www.sipc.org/" target="_blank">www.sipc.org</a>. Acorns checking accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data encryption, and all-digital card lock. Learn more about how FDIC protection works at <a href="https://www.fdic.gov/" target="_blank">www.fdic.gov</a>. </div> </div> </div> <div id="standalone-headline-component-1" class="standalone-headline-component"> <h2 class="envoy-header-2 solid-slate"> Give your money the chance to work as hard as you do </h2> </div> <div id="image-left-content-right-component-2" class="image-left-content-right-component"> <div class="image-wrapper"> <picture class="full-width-mobile"> <source media="(max-width: 767px)" srcset="https://sqy7rm.media.zestyio.com/Envoy-Home-Potential.png?width=50&fit=bounds" data-srcset="https://sqy7rm.media.zestyio.com/Envoy-Home-Potential.png" /> <img class="image-asset lazy" src="https://sqy7rm.media.zestyio.com/Envoy-Home-Potential.png?width=50&fit=bounds" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Potential.png" alt="Harness the power of compounding" /> </picture> </div> <div class="disclosure-wrapper"> <div class="disclosure-copy light-grey"> Your Potential is a hypothetical tool that illustrates, how factors such as Recurring Investments (amount and frequency), Round-Ups® investments, Smart Deposit investments, and compound returns may impact the long-term value of an Acorns Account. The tool uses a 6% hypothetical rate of return and hypothetical age range dependent on age band selected by the user. Compounding is the process in which an asset’s earnings are reinvested to generate additional earnings over time. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. </div> </div> <div class="copy-wrapper"> <div class="headline envoy-header-5 solid-slate"> Harness the power of compounding </div> <div class="body envoy-body solid-slate"> Money doesn’t grow on trees. But with compound returns, money can grow on itself. It’s a long-term investing principle foundational to how Acorns can work for you. </div> </div> </div> <div id="highlighted-text-component-1" class="envoy-component-with-bg-color bg-solid-slate"> <div class="highlighted-text-component"> <div class="tagline envoy-tagline uppercase-text white"> THE UP-AND-COMERS </div> <div class="subheadline envoy-header-5 white"> With Acorns, everyday Americans have invested over </div> <div id="count-up-dollars-copy" class="headline envoy-header-1 white" data-count="22000000000"> $250,000,000 </div> </div> <div class="image-wrapper"> <img class="highlighted-text-image-1 lazy" data-src="https://sqy7rm.media.zestyio.com/Env-Home-Highlighted-Text-1-Updt.png" alt="Woman holding phone"> <img class="highlighted-text-image-2 lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Highlighted-Text-2.png" alt="Woman smiling"> <img class="highlighted-text-image-3 lazy" data-src="https://sqy7rm.media.zestyio.com/Env-Home-Highlighted-Text-3-Updt.png" alt="Older couple embracing"> <img class="highlighted-text-image-4 lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Highlighted-Text-4.png" alt="Man smiling with his eyes closed"> </div> </div> <div id="press-quote-carousel-section" class="envoy-component-with-bg-color bg-acorns-purple"> <div class="press-quote-carousel-section-container general-envoy-component"> <div class="press-quote-carousel-section-wrapper"> <div class="press-quote-carousel-wrapper"> <div class="press-quote-carousel"> <div class="quote-wrapper"> <div class="quote-copy envoy-header-3 white"> “This simple investment app has millions of millennials saving every day” </div> <div class="quote-source envoy-body white"> - Fast Company </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-5 envoy-header-6-mobile white"> “Whether you are building a small play portfolio with spare change or have the ability to go big, Acorns can help you get comfortable with the idea of investing and build your portfolio.” </div> <div class="quote-source envoy-body white"> - Business Insider </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-5 white"> “You think you need thousands of dollars to invest, it's for the rich folks...not the case anymore because there's Acorns." </div> <div class="quote-source envoy-body white"> - Good Morning America </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-5 envoy-header-6-mobile white"> “Now that you have a new budget and have canceled some of your costly subscriptions, it’s time to start investing. That might sound scary and time-consuming, but for beginners like us, it doesn’t have to be. Meet the Acorns app.” </div> <div class="quote-source envoy-body white"> - Yahoo Finance </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-3 white"> “In a world saturated with trading apps and robo-advisors… Acorns is a threat.” </div> <div class="quote-source envoy-body white"> - Forbes </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-3 white"> “Acorns is one of the top 25 tech companies to watch” </div> <div class="quote-source envoy-body white"> - WSJ </div> </div> <div class="quote-wrapper"> <div class="quote-copy envoy-header-5 envoy-header-6-mobile white"> “Investing is one of the most effective ways to build wealth, and contrary to popular belief, you don’t need a lot of money to get started thanks to Acorns” </div> <div class="quote-source envoy-body white"> - CNBC </div> </div> </div> </div> <div class="press-quote-nav-wrapper"> <div class="press-quote-nav"></div> </div> </div> </div> <img class="press-quote-carousel-phone lazy" data-src="https://sqy7rm.media.zestyio.com/Press-Quote-Carousel-Phone-Image-Home.png" alt="Hands holding phone with Acorns app"> <img class="press-quote-carousel-plus hide-on-mobile lazy" data-src="https://sqy7rm.media.zestyio.com/Envoy-Home-Press-Quote-Plus.png" alt="Stump cut-out in the shape of a plus sign"> </div> <div class="envoy-closing-sign-up"> <div class="closing-sign-up-wrapper bg-acorns-green"> <div class="copy-wrapper"> <div class="sign-up-tagline envoy-tagline white"> Join the Movement </div> <h5 class="sign-up-headline envoy-header-3 white"> We’re changing the way Americans save & invest every day </h5> <a class="a5-cta white-cta" href="https://app.adjust.com/lu9nsui_ww57nnm?fallback=https://signup.acorns.com/signup/"> Sign up today </a> </div> <img class="tree-image lazy" data-src="https://sqy7rm.media.zestyio.com/Tree-Asset.png" alt="Tree stump image" /> <picture> <source media="(max-width: 767px)" 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advertisement.</strong> Dwayne Johnson is an investor in Acorns Grow Incorporated, is a director of its affiliate Acorns Labs, is an Acorns customer, and together with his creative agency receives substantial compensation from Acorns and its affiliates to promote Acorns and therefore has a conflict of interest that can be expected to bias his views. 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 accounts under $1 million. 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. 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 target="_blank" data-stringify-link="https://www.cambr.com/bank-list" delay="150" data-sk="tooltip_parent" href="https://www.cambr.com/bank-list" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">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 November 8, 2024, Mighty Oak Checking Annual Percentage Yield (APY) is 2.72% and Emergency Fund APY is 4.29%. 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> <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. 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