Price checkPer mo
Acorns Bronze$4/moAcorns Silver$8/moAcorns Gold$12/mo
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All Acorns Plans & Pricing

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Acorns Bronze

Acorns Silver

Acorns Gold

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At a glance

List price by tier (annualized, per license)

Per-license list price across Acorns's plans, annualized. Custom-priced tiers show a hatched bar.

Acorns Bronze$48/yr
Acorns Silver$96/yr
Acorns Gold$144/yr
Quick Answer
Last verified:
Medium confidence

Acorns costs $4 to $12 per mo as of October 2026, with 3 plans available. Plans: Acorns Bronze at $4/month, Acorns Silver at $8/month, and Acorns Gold at $12/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available

Acorns offers 3 pricing tiers: Acorns Bronze, Acorns Silver, Acorns Gold. Paid plans include Acorns Bronze at $4/month, Acorns Silver at $8/month, Acorns Gold at $12/month. The Acorns Silver plan is saving and investing tools with additional account features..

Compared to other personal finance & budgeting software, Acorns is positioned at the budget-friendly price point.

  • 10 documented hidden costs beyond list price
  • Contracts auto-renew — Must close all open accounts (sell investments and return funds to linked bank account) before subscription billing stops; withdrawing funds or closing individual accounts alone does not cancel the subscription
Last verified: | Sources: 2 pricing pages and reviews

How much does Acorns cost?

Acorns has 3 paid plans costing $4–$12/mo. Plans include Acorns Bronze at $4/month, Acorns Silver at $8/month, Acorns Gold at $12/month.

Acorns Pricing Overview

Acorns has 3 pricing plans ranging from $4 to $12/mo. The Acorns Bronze plan costs $4/month, best for investing tools to get started on a financial journey.. The Acorns Silver plan costs $8/month, best for saving and investing tools with additional account features.. The Acorns Gold plan costs $12/month, best for full suite of saving, investing, learning, and family tools..

Acorns contracts auto-renew, with a Monthly minimum commitment.

There are at least 10 documented hidden costs beyond Acorns's list price, including implementation, training, and add-on fees.

This pricing was last verified in October 20, 2026 from 2 independent sources.

See Acorns Plans

Acorns pricing starts at $4/month for the Bronze plan, which provides entry-level automated micro-investing via round-ups. The Silver plan at $8/month and Gold plan at $12/month add features including checking accounts and family investment accounts. There is no free tier — a paid monthly subscription is required from day one.

How Acorns Pricing Compares

Compare Acorns pricing against top alternatives in Personal Finance & Budgeting.

Copilot Money $7.92-$13/month View pricing → EveryDollar $0-$17.99/month View pricing → Goodbudget $0-$10/month View pricing →

Compare Acorns vs Alternatives

Before committing to Acorns, compare pricing with these 3 alternatives in the same category.

VSCopilot Money
From $7.92/month

Apple ecosystem users who want a premium finance app

Compare pricing
VSEveryDollar
Free

Users who want simple manual budgeting

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VSGoodbudget
Free

Individuals getting started with envelope budgeting

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All Acorns alternatives & migration guides

What Companies Actually Pay for Acorns

Review scores
Trustpilot 1.96out of 5 (25)
Third-party review aggregates, as of Oct 2026
Top pricing complaints
Subscription continues billing when account is pausedCancellation requires closing all accounts and selling all investmentsMoney transfers and withdrawals frequently delayed or heldReferral bonuses not honored despite meeting stated requirements

Acorns Year 1 Total Cost by Company Size

Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.

Solo Micro-Investor — Bronze $48 Year 1 total
$4/month
Total $48

Individual investor using Acorns for automated round-up investing on the entry-level plan.

Individual Investor with Banking — Silver $96 Year 1 total
$8/month
Total $96

Individual investor using Acorns investing plus the checking/spending account on the mid-tier plan.

Family or Premium Investor — Gold $144 Year 1 total
$12/month
Total $144

Investor using the full suite including family investment accounts and premium features on the top-tier plan.

Current tier data

How Acorns Pricing Compares

Software Starting Price Top Price
Acorns $4/mo $12/mo
Copilot Money $7.92/month $13/month
EveryDollar $6.67/month $6.67/month
Goodbudget Free $10/month
Honeydue Custom Custom
Monarch Money $14.99/month $16.67/month

Browse all Personal Finance & Budgeting pricing →

10 Acorns Hidden Costs Beyond the List Price

Beyond the listed price, Acorns has at least 10 documented hidden costs that can significantly increase total cost of ownership.

Watch for 10 hidden costs
  • ETF Expense Ratios 0.04% to 0.22%
    low 1 source
    Grounded summary The pricing tiers are: * Bronze/Personal: $3 per month
  • Transfer-Out Fees $50 per ETF
    medium 1 source
    Grounded summary Transfer-Out Fees: If a user decides to transfer their investments from Acorns to another brokerage, a fee of $50 per ETF applies.
  • Impact of Flat Fees on Small Balances
    high 1 source
    Grounded summary The pricing tiers are: * Bronze/Personal: $3 per month
  • Monthly Subscription Fees $3, $6, $12 per month
    high 1 source
    Grounded summary Monthly Subscription Fees: Acorns offers tiered plans: * Acorns Bronze: $3 per month
  • Acorns Early Lite Fee $8 per month
    low 1 source
    Grounded summary Acorns Early Lite Fee (if downgrading): If a user cancels their Acorns Gold plan, but wishes to continue using Acorns Early, they will be charged a separate $8 per month for an Acorns Early Lite subscription.
  • Out-of-Network Brokerage Transfer Fee $35/ETF transferred
    high 1 source
    Trustpilot “only whole shares transfer, with a $35-per-ETF fee. That is a poor fit for a small investment account.”
  • Subscription Billing During Account Pause $4-$12/month
    high 1 source
    Trustpilot “I was under the assumption that it wasn’t gonna cost me anything else because I pushed pause so I wasn’t using the account. I never used it again.”
  • Charges After Apparent Cancellation $4-$12/month
    high 2 sources
    Trustpilot “Even after you cancel you account and services weeks before they still will find a way to charge you and will me refund it when they see you cancelled it in time.”
    Trustpilot “Years ago Acorns updated their subscription model and began charging me $3/mo without getting any confirmation from me (allegedly they sent a notification email which I cannot now find). I don't see how this is acceptable.”
  • Unintended Higher-Tier Enrollment $4-$8/month
    medium 1 source
    Trustpilot “I also remember thinking the cost was around $5 a month. When I checked later, my account showed Gold at $12 a month. The welcome email makes the confusion worse: it calls my subscription "Acorns Bronze" but says I will be billed $12 per month.”
  • Bank Overdraft Fees from Mistimed Withdrawals $25-$35 (source dated Oct 2026)
    medium 1 source
    Trustpilot “They give you a site were they ask the day you want your investment to come from your bank account and the day I give them they were taking it out the following day which caused overdraft fees on me then penalized me 90 days for their mistake!!!”
Tip

Ask your Acorns sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 3 independent sources
industry Trustpilot Consumer reviews Hacker News Tech community
Key claims include inline source attribution. Data verified against multiple independent sources. 16 source citations total.

Acorns Contract Terms

Acorns contracts auto-renew. Changes require Must close all open accounts (sell investments and return funds to linked bank account) before subscription billing stops; withdrawing funds or closing individual accounts alone does not cancel the subscription. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal Yes
Cancellation Notice Must close all open accounts (sell investments and return funds to linked bank account) before subscription billing stops; withdrawing funds or closing individual accounts alone does not cancel the subscription
Minimum Commitment Monthly
Mid-Term Downgrade Not allowed
Payment Terms Monthly subscription billed automatically
Price Escalation No published schedule; users report plan tier changes applied without explicit confirmation
Note

No source evidence on downgrade policy

Based on 2 verified sources

How to Negotiate Acorns Pricing

Acorns contracts are negotiable. These 3 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 3 tactics
Set up Direct Deposit for Gold Plan high success

Eligible Acorns Gold subscribers can waive the monthly fee by setting up a direct deposit of at least $250 to their Acorns Checking account.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGFaprjlixD6GZVNIgaijnsJAH3theYc5gt8CEXcKCsx7k5aHNeoA4O1nU5sJWerIw-nM5kOqcX4L7RD4LRtRlhdj6Fgt9kqvd8aG68Abxh1ICWGK2v5RJOhladzlcR0nBgJ6wZVaBYaEq2dMYaUh235BNS3yk=
Utilize Found Money Program medium success

Offset fees by investing cashback from partner retailers into your account through the 'Found Money' program.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQErZB_GkIFMnkzn2JchnoFpPvkHIYjGls8kj06vrTUNojLtNtN3p5mQNGK72Slk8zeb_vOH6Uaky29kyNxNwc0pY-AxNr4TCgxH079UNuy-6OCePZ37qCWLIblJmEofFvk2_62v_rg5PHKlf8MrBgRFqDEhsTVTB1jTCmHJGSFeImN_ImfXul7pBus0d6hm_ty2D5Aopw==
Escalate Billing Disputes to Support low success

If you were enrolled in a higher plan tier than you intended or charged after you believed your account was cancelled, contact customer support and specifically reference the discrepancy. Some users report receiving refunds when they escalate clearly with documentation of their original enrollment intent.

trustpilot review patterns
High success Medium Low / difficult

Full negotiation guide →

Acorns Price History

Pricing changes CostBench has tracked for Acorns, verified across 3 snapshots going back to 2026Q3.

  1. Acorns Bronze increase

    Bronze tier increased from $3 to $4/month

    +33.3%

  2. Acorns Silver increase

    Silver tier increased from $6 to $8/month

    +33.3%

Price increased 33% over 0.2 years

View Acorns's full price history →

Acorns Pricing FAQ

01 Does Acorns have a free plan?

Acorns does not offer a free plan. The cheapest paid plan is Bronze at $4/month.

02 How much does Acorns cost?

Acorns's cheapest paid plan is Bronze at $4/month. Silver is $8/month and Gold is $12/month.

03 Does pausing my Acorns account stop the monthly subscription fee?

No. Pausing investment activity does not pause subscription billing. You will continue to be charged your plan fee — $4/month for Bronze, $8/month for Silver, or $12/month for Gold — until you fully close all open accounts. Multiple users report being charged for months while their account was on pause.

04 How do I actually cancel my Acorns subscription?

Cancelling requires closing all open accounts, which means selling your investments and having funds returned to your linked bank account. Simply withdrawing money or stopping automatic round-ups is not sufficient — those actions do not cancel the subscription. This process can take several business days.

05 What fees apply if I transfer my Acorns investments to another brokerage?

A direct brokerage transfer charges $35 per ETF, and only whole shares are eligible. Fractional shares must be sold first. For small accounts holding multiple ETFs, this fee can be significant relative to the account balance. Many users find it more practical to sell all holdings and withdraw cash rather than use an in-kind brokerage transfer.

06 What is the difference between Bronze, Silver, and Gold plans?

Acorns offers three tiers: Bronze at $4/month, Silver at $8/month, and Gold at $12/month. Higher tiers include additional features such as banking accounts and family investment accounts. Review your plan carefully at sign-up — users have reported being enrolled in Gold ($12/month) when they expected to pay a lower rate, with the welcome email sometimes displaying the wrong plan name.

07 Does Acorns offer a free plan or a free trial?

Acorns does not offer a free plan or a free trial. All three plans (Bronze at $4/month, Silver at $8/month, Gold at $12/month) require a paid monthly subscription from the start.

08 How reliable is the Acorns referral bonus program?

Multiple users report not receiving referral bonuses even after meeting the stated requirements. Complaints include referrals being disqualified for reasons that were not clearly communicated upfront, and delays of 30 days or more before eligibility is even assessed. Treat referral incentives as uncertain rather than guaranteed.

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