Acorns

Acorns' round-up micro-investing model has accumulated $20 billion in assets under management from 9 million users who might never have invested otherwise. Its 2025 custodial account expansion for children and Early Match employer contributions boosted average account balances by 15% year-over-year. At 0.25% annual fee on assets, it is 40% cheaper than #1 YNAB for passive investors who avoid manual budgeting.