Acorns is an investing app built around one idea: make investing so automatic that you barely notice you are doing it. When you buy a $3.75 coffee, Acorns rounds up to $4.00 and invests the $0.25 difference into a diversified portfolio of ETFs. Over time, those small amounts add up. New users receive a $20 welcome bonus when they open an account and make their first investment.
How to Claim Your $20 Acorns Bonus
- Click the sign-up link on this page to create your Acorns account.
- Choose your investment portfolio (Conservative, Moderate, or Aggressive).
- Link a bank account or debit card to enable Round-Ups.
- Make your first investment of any amount.
- Your $20 bonus will be added to your Acorns investment account within a few days.
Is Acorns Worth $3 Per Month?
The honest answer depends on one thing: would you invest at all without Acorns? For people who struggle to save or invest consistently, Acorns is genuinely valuable — the automation removes the friction that stops most people from investing. Studies consistently show that automatic investing leads to significantly better long-term outcomes than manual investing for most people.
If you are already disciplined about investing and just want a low-cost brokerage account, Robinhood or Webull are free alternatives. But if you need the automation to make investing happen, $3/month is a small price to pay for building a habit that could be worth tens of thousands of dollars over time.
Acorns Pros and Cons
| Fully automatic investing | Round-Ups invest your spare change without any effort |
| Diversified portfolios | Professionally designed ETF portfolios |
| Banking included | Checking account and debit card included in subscription |
| Retirement account | IRA included in subscription |
| $3/month fee | Meaningful cost when your balance is small |
| Limited investment options | No individual stocks — ETF portfolios only |
Acorns is the best investing app for people who want to start investing without thinking about it. The $20 welcome bonus is a great start, and the automatic Round-Ups make it easy to build a habit. If you would not invest otherwise, Acorns is absolutely worth $3/month.
Written by the StackMyReferrals Editorial Team. We review products independently and only recommend products we believe are genuinely useful. When you sign up through our links, we may earn a referral bonus — this never affects our editorial opinion.