Top 10 US Robo-Advisors 2026

Wealthfront manages $50 billion+ in AUM and is renowned for its Cash Account — paying 5.00% APY in 2025 — alongside its sophisticated automated investment portfolios. Its Path financial planning tool projects retirement scenarios with 93% accuracy versus manual planning tools. Wealthfront charges 0.25% annually with no additional trading fees, and its 529 college savings accounts are among the most competitive in the automated space.

Vanguard Digital Advisor manages $200 billion+ across its automated and hybrid advisory services, leveraging Vanguard's legendary low-cost index funds. It targets an all-in fee of approximately 0.15% annually — the lowest of any major robo-advisor — by using Vanguard's own ultra-low-cost ETFs. The platform serves 5 million+ Vanguard clients who opt into automated management, making it the largest robo by AUM in 2025.

Schwab Intelligent Portfolios manages $90 billion+ in AUM and charges zero advisory fees — the firm monetizes through interest on cash allocations and proprietary ETF expense ratios. Requiring a $5,000 minimum investment, it offers 51 ETF options spanning equities, fixed income, and real assets. Its Premium tier at $30/month adds unlimited human advisor access, blending the robo and traditional advisory models.

Fidelity Go charges zero management fees for accounts under $25,000 and a flat 0.35% for larger balances, investing exclusively in Fidelity Flex mutual funds with zero expense ratios. It requires no minimum balance — a key differentiator for new investors — and provides free access to Fidelity advisors for accounts over $25,000. Fidelity Go attracted 1.2 million new accounts in 2024-2025 as Gen Z investors entered the market.

SoFi Automated Investing charges no management fees and requires no account minimum, distinguishing itself with complimentary access to certified financial planners for all account holders. SoFi's ecosystem — combining student loan refinancing, banking, investing, and insurance — creates powerful customer retention, with 9 million+ total platform members in 2025. Its fractional share feature allows $1 minimum investments in any ETF.

Acorns pioneered micro-investing with its round-up feature — rounding purchases to the nearest dollar and investing the difference — and has grown to 10 million+ registered users. It charges $3-$5/month (including checking, investing, and retirement accounts) and manages approximately $3 billion in AUM across diversified ETF portfolios. Acorns' 2025 "Earn" cashback program directs shopping rewards directly into investment accounts.

Ellevest is a women-focused robo-advisor founded by Sallie Krawcheck that uses gender-specific salary curves and longer life-expectancy data to build personalized investment plans. Managing $1.5 billion+ in AUM, it charges $12/month for its membership plan covering investment, banking, and financial coaching. Ellevest's 2025 research showed women using its platform save 20% more for retirement than users of gender-neutral platforms.

M1 Finance manages $8 billion in AUM and offers a hybrid "pie" portfolio system where users can build custom allocations alongside pre-built expert portfolios with zero management fees. Its M1 Borrow feature allows margin loans at 2-3.5% interest — the lowest available to retail investors — using portfolio value as collateral. M1's 2025 high-yield cash account at 5.00% APY attracted 400,000 new users from traditional banks.

Blooom specializes in optimizing 401(k) and employer-sponsored retirement accounts — a market largely ignored by other robo-advisors — managing $4 billion in workplace retirement assets for 60,000+ clients. It charges $45-$250/year to analyze and rebalance existing 401(k) holdings regardless of provider, cutting hidden fund fees by an average of 0.18% annually. Blooom's 2025 AI diagnostic tool identified $2.3 billion in unnecessary fund fees across its client base.

Wealthfront manages $50 billion+ in AUM and is renowned for its Cash Account — paying 5.00% APY in 2025 — alongside its sophisticated automated investment portfolios. Its Path financial planning tool projects retirement scenarios with 93% accuracy versus manual planning tools. Wealthfront charges 0.25% annually with no additional trading fees, and its 529 college savings accounts are among the most competitive in the automated space.

Vanguard Digital Advisor manages $200 billion+ across its automated and hybrid advisory services, leveraging Vanguard's legendary low-cost index funds. It targets an all-in fee of approximately 0.15% annually — the lowest of any major robo-advisor — by using Vanguard's own ultra-low-cost ETFs. The platform serves 5 million+ Vanguard clients who opt into automated management, making it the largest robo by AUM in 2025.

Schwab Intelligent Portfolios manages $90 billion+ in AUM and charges zero advisory fees — the firm monetizes through interest on cash allocations and proprietary ETF expense ratios. Requiring a $5,000 minimum investment, it offers 51 ETF options spanning equities, fixed income, and real assets. Its Premium tier at $30/month adds unlimited human advisor access, blending the robo and traditional advisory models.

Fidelity Go charges zero management fees for accounts under $25,000 and a flat 0.35% for larger balances, investing exclusively in Fidelity Flex mutual funds with zero expense ratios. It requires no minimum balance — a key differentiator for new investors — and provides free access to Fidelity advisors for accounts over $25,000. Fidelity Go attracted 1.2 million new accounts in 2024-2025 as Gen Z investors entered the market.

SoFi Automated Investing charges no management fees and requires no account minimum, distinguishing itself with complimentary access to certified financial planners for all account holders. SoFi's ecosystem — combining student loan refinancing, banking, investing, and insurance — creates powerful customer retention, with 9 million+ total platform members in 2025. Its fractional share feature allows $1 minimum investments in any ETF.

Acorns pioneered micro-investing with its round-up feature — rounding purchases to the nearest dollar and investing the difference — and has grown to 10 million+ registered users. It charges $3-$5/month (including checking, investing, and retirement accounts) and manages approximately $3 billion in AUM across diversified ETF portfolios. Acorns' 2025 "Earn" cashback program directs shopping rewards directly into investment accounts.

Ellevest is a women-focused robo-advisor founded by Sallie Krawcheck that uses gender-specific salary curves and longer life-expectancy data to build personalized investment plans. Managing $1.5 billion+ in AUM, it charges $12/month for its membership plan covering investment, banking, and financial coaching. Ellevest's 2025 research showed women using its platform save 20% more for retirement than users of gender-neutral platforms.

M1 Finance manages $8 billion in AUM and offers a hybrid "pie" portfolio system where users can build custom allocations alongside pre-built expert portfolios with zero management fees. Its M1 Borrow feature allows margin loans at 2-3.5% interest — the lowest available to retail investors — using portfolio value as collateral. M1's 2025 high-yield cash account at 5.00% APY attracted 400,000 new users from traditional banks.

Blooom specializes in optimizing 401(k) and employer-sponsored retirement accounts — a market largely ignored by other robo-advisors — managing $4 billion in workplace retirement assets for 60,000+ clients. It charges $45-$250/year to analyze and rebalance existing 401(k) holdings regardless of provider, cutting hidden fund fees by an average of 0.18% annually. Blooom's 2025 AI diagnostic tool identified $2.3 billion in unnecessary fund fees across its client base.