Best robo advisors

Beginner-oriented platform that lets users begin with very small dollar amounts and build positions via optional automated tools and a debit card that awards stock rewards.

Fees

$12 monthly account fee $0 commission

Account Minimum

$0

Main Features

Offers simple automated investing with a straightforward fee structure Provides access to cryptocurrency exposure Allows you to reinvest dividends you receive

• Start with as little as $1
• Smart Portfolios available
• $12 monthly account fee
• Commission-free stock and ETF trades

Beginner-oriented micro-investing app that rounds up everyday purchases into automated ETF portfolios, supports recurring transfers, and layers on retirement, custodial, and cash-account options under tiered monthly plans.

Fees

$3 monthly subscription fee for a Bronze account $6 monthly subscription fee for Silver account $12 monthly subscription fee for a Gold account

Account Minimum

$0

Main Features

Allows you to invest spare change from everyday purchases Offers automated portfolio rebalancing Has extensive educational resources

• Spare-change Round-Ups into automated ETF portfolios
• $0 account minimum
• Plan fees of $3, $6, or $12 per month
• Retirement, custodial, and banking-style add-ons

Automated investing service that builds and rebalances a diversified portfolio from a short goals questionnaire, with low advisory pricing, daily tax-loss harvesting on taxable accounts, stock collections, and support for IRAs, 529s, and joint accounts.

Fees

0.25% annual management fee

Account Minimum

$500

Main Features

Uses tax-loss harvesting Gives you access to financial planning tools Has a simple fee structure

• 0.25% annual management fee
• $500 account minimum
• Daily automated tax-loss harvesting on taxable accounts
• Crypto trusts plus IRAs, 529s, and joint accounts

Robo-advisor that builds and automatically rebalances ETF portfolios based on goals and risk tolerance, with optional human-advisor access and tax-loss harvesting.

Fees

$4 monthly account fee or 0.25% annual fee, based on monthly deposits or account balance

Account Minimum

$0, $100,000 for the premium plan

Main Features

Offers tax-loss harvesting Gives you access to socially responsible investing Performs automatic portfolio rebalances

• Automatic rebalancing
• Tax-loss harvesting
• $4 monthly or 0.25% annual fee
• Premium plan at $100,000

Established broker (including the former TD Ameritrade thinkorswim suite) built for hands-on traders who want deep charting, multi-leg strategy tools, paper trading, and wide account selection with $0 base stock and ETF online commissions.

Fees

$0 account fee $0 commission

Account Minimum

$0

Main Features

Offers 24/7 live support Uses low-cost ETFs Regularly rebalances your portfolio

• thinkorswim analytics, charting, and paper trading
• $0 account minimum and $0 account fees
• $0 commissions on common online stock and ETF trades
• Automated and active investing with broad asset access