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Acorns vs Personal Capital

Acorns is an investment app that automatically invests your spare change. Good for young investors to get into the habit. How does it compare to Personal Capital? Read our comparison chart below.

Acorns is geared towards young investors who have trouble saving. This investment app automatically rounds up and invests your spare change whenever you make a purchase. The service fee starts at $1/month for accounts under $5,000. There is no minimum to open.

While Personal Capital offers free advanced financial tools and paid wealth management services.

Compare Acorns with Personal Capital, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 AcornsPersonal Capital
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Acorns

Personal Capital

SPECIAL OFFER
$10 Sign-Up Bonus - Learn More

Read Acorns Review

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

 

Benefits and Features

Stock TradingPart of service fee. No add-on trading fees. 
Annual Fee$1/mo for Acorns; $2/mo for Acorns + Acorns Later; $3/mo for Acorns + Acorns Later + Acorns Spend0.89% for first $1 million, 0.79% for first $3 million, next $2 million 0.69%, next $5 million, 0.59%, and 0.49% over $10 million
Minimum Deposit
$0
$100,000
Phone Support
Yes
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
Yes
Robo Advisor 
Assets Under Management
$1 Billion
$11.6 Billion
Tax Loss Harvesting
No
Yes
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
Banking$3/mo for Acorns + Acorns Later + Acorns Spend checking. Free debit card, no minimum balance, no overdraft fees, and unlimited free or fee-reimbursed ATMs nationwide. 
Mobile App
Yes
 
Single Stock Diversification
No
Yes
Fractional Shares
Yes
No
Taxable Accounts
Yes
Yes
401k Plans
No
Yes
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
No
Yes
529 Plans
No
Yes
 

CreditDonkey® Reviews

 AcornsPersonal Capital
Annual Fee
Minimum Deposit
Customer Service
Human Advisors
Robo Advisor
Price
Goal Tracker
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Pros & ConsPros:
  • No minimum investment
  • Invest with spare change
  • Cash-back program
Cons:
  • Fees are high for small balances
  • No tax benefits
  • Limited investment options
Pros:
  • Retirement planner
  • Free portfolio advice
  • Robo plus human advisors
Cons:
  • $100,000 min for advisory service
  • Higher fees than competitors
Bottom LineInvestment app that automatically invests your spare change. Good for young investors to get into the habit... Read full reviewFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Acorns: Pricing information from published website as of 07/11/2019.

Personal Capital: Pricing information from published website as of 04/30/2020

Which is Better: Acorns or Personal Capital?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Acorns or Chase.

In short: Personal Capital's customer service is outstanding.


Articles on Acorns


Articles on Personal Capital


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