The smart money
app and debit card
for kids

Help your kids grow smart money habits
by teaching them how to save, earn, spend, and
invest — all in one place.

Why parents choose Acorns Early

You don’t have to be a financial expert to raise one. That’s why Acorns Early makes it easy to teach, guide, and invest for your kids’ futures — so their money and money skills grow into confidence they can carry when it’s their turn to lead.

How it works

With Acorns Early, kids learn how money works by earning, saving, and spending in real life — from allowance to chores to their first debit card. Parents stay in control with limits, instant transfers, and real-time alerts — all in one simple, secure app.

Allowance, savings, and chores

Getting kids to do their chores couldn’t be easier. Just set up chores in the Acorns Early app, set a payment amount, and tick the chore off when it’s done!

Savings goals for kids

Acorns Early makes saving a habit by putting your kids in charge. Kids can use their app to easily set savings goals with target dates and an optional autosave feature.

Invest in your
kids’ futures

Give your kids a head start with a 1% match on the first $7,000 you invest per year for their future. The money you put in their custodial account (UGMA/UTMA) has a chance to grow for anything that benefits them — not just education.

Parental controls

Get peace of mind with real-time notifications when your kids spend, set spending limits, and instantly block lost or stolen cards.

Financial literacy

Teach kids smart money skills with bite-sized, award-winning money lessons they’ll actually love.

Giftlinks and
Relative accounts

Make birthdays and holidays easier on everyone by inviting friends and family to gift money to your kids.

Giftlinks and
Relative accounts

With bank-grade security, fraud protection, and flexible parental controls, Acorns Early helps your kids spend with confidence — while you stay in control. And if you ever need help, our support team is here to help, 24/7.

Choose from 35+ customizable
debit card designs

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Acorns Early Invest

Set your kids up for life

Acorns Early features an easy, automated investment account for your kids — plus a 1% match on the first $7,000 you invest per year to help give their money a chance to grow.

Unlike education-only accounts, Early Invest funds can be used for anything that benefits your child — from a first car to college, a down payment, or extracurriculars.

Acorns Early Invest

Small steps, big future

Every big future starts with a few small steps. Acorns Early Invest helps you start early and see how the money you invest for your kids could grow right alongside them.

Potential Future Balance:

Illustration of the power of compounding based on initial deposit, contribution schedule, time horizon, and rate of return specified. Changes in those variables can affect the outcome. Reset the calculator using different figures to show different scenarios. Does not include Acorns’ monthly subscription fees (min $3/mo), which would reduce account returns over time, or other deposits or withdrawals. Results do not predict or represent the performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance. Investment results will vary. No guarantee investment return will achieve 8% or any annual returns.

Save and
invest in the
background
of life

Acorns puts investing on autopilot. Sign up in minutes, we’ll recommend an investment portfolio for your money goals, and you can set automated investments starting with spare change.

WE MAKE IT EASY

Automatic - Automatic

Invest your spare change with Round-Ups®

Automatic Recurring Investments

Set your recurring investments and make a habit out of investing. Try $5 a day.

Automatic Recurring Investments

Set your recurring investments and make a habit out of investing. Try $5 a day.

Automatic Recurring Investments

Set your recurring investments and make a habit out of investing. Try $5 a day.

WHAT AM I INVESTING IN?

Highly-rated ETFs

Acorns expert-built portfolios contain Exchange Traded Funds, or ETFs. They’re like baskets of different investments, including stocks and/or bonds, and come with benefits like diversification, lower costs, and potential tax efficiency.

A diversified mix of
stocks and bonds

Diversification means your investments are exposed to a broad range of stocks, bonds, or both — possibly over 7,000! This can help reduce your risk, compared to trading individual stocks.

Invest in today’s top
companies

Diversification means your investments are exposed to a broad range of stocks, bonds, or both — possibly over 7,000! This can help reduce your risk, compared to trading individual stocks.

Built by experts

Acorns diversified portfolios are built by experts and include ETFs managed by pros at the world’s top investment firms like Vanguard and BlackRock.

Security & Protection

Acorns Invest, Later & Early accounts are SIPC-protected up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit www.sipc.org.

Invest wisely. Not a gamble

Diversified by us. Customized by you.

Custom Portfolios is our newest investing tool that lets you add individual stocks and ETFs to your already diversified portfolio. Use it to gain more control over your investing, and level up your knowledge with in-app guidance every step of the way.

2 Diversified by us. Customized by you.

Custom Portfolios is our newest investing tool that lets you add individual stocks and ETFs to your already diversified portfolio. Use it to gain more control over your investing, and level up your knowledge with in-app guidance every step of the way.

3

Custom Portfolios is our newest investing tool that lets you add individual stocks and ETFs to your already diversified portfolio. Use it to gain more control over your investing, and level up your knowledge with in-app guidance every step of the way.

Give your money a chance
to work as hard as you do

Harness the power of compounding

Money doesn’t grow on trees. But with compound returns, money can grow on itself. It’s a long-term investing principle foundational to how Acorns can work for you.
Potential is a hypothetical tool that illustrates, how factors such as Recurring Investments (amount and frequency), Round-Ups® investments, Smart Deposit investments, and compound returns may impact the long-term value of an Acorns Account. The tool uses an 8% hypothetical annual rate of return and hypothetical age range dependent on age band selected by the user. Compounding is the process in which an asset’s earnings are reinvested to generate additional earnings over time. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

Harness the power of compounding

See how your portfolio is doing today or over time, and view your account value breakdown.

Banking + investing all in one app

Claim a checking account with a debit card that automatically saves and invests for you.

Frequently asked

Where is my money invested?

There are five different Acorns Core portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

Foliovice

Invest
Today,
Secure
Tomorrow