Welcome to our 2026 Robo Advisor comparison guide!
Robo advisors are gaining popularity year over year, not just for beginners or small investors, but for experienced and high-net-worth ones too. They provide impressive returns on investments and can be a great alternative to expensive human advisors.
We’ve analyzed, and compared the best robo advisors available in the US, so you don’t have to wade through all the options. Our guide covers the most popular and best services for most US-based investors.
So, let’s get started and find the perfect robo-advisor for you!
Robo Advisor Comparison Table
We’ll start with an in-depth comparison table of some of the best robo advisors on the market today. This list of robo advisors is sorted alphabetically.
| Robo Advisor | Features | Fees | Minimum Deposit | Access to Human Financial Advisors | Best for | Visit |
|---|---|---|---|---|---|---|
| Acorns | Round-up savings, Investment Education | $3/$6/$12 per month | $5 | No | Beginner investors, students | Visit |
| Ally Invest Robo Portfolios | Automated Portfolio Management, Tax-loss harvesting | 0% – 0.30% annually | $100 | No | Investors with Ally bank accounts | Visit |
| Axos Invest | Socially responsible investing, Tax-loss harvesting | 0.24% annually | $500 | Yes | hands-off investors and self-directed traders | Visit |
| Betterment | Tax-loss harvesting, Retirement Planning, socially responsible investing, cash management, Solo 401(k) | 0.25% (Digital) or $4/month; 0.65% Premium (≥$100k) | $0 | Yes, with the Premium plan | Beginner to intermediate investors, socially responsible investing | Visit |
| E*TRADE Core Portfolios | Automated Portfolio Management, Tax-loss harvesting | 0.30% annually | $500 | Yes | E-Trade customers with lower balances | Visit |
| Empower (formerly Personal Capital) | Comprehensive financial planning, retirement planning, wealth management | 0.49%-0.89% annually | $100,000 | Yes, with Wealth Management plan | High net worth investors, comprehensive financial planning | Visit |
| Fidelity Go | Retirement Planning, Cash Management | $0 < $25k; 0.35% ≥ $25k | $10 | Yes, with premium plan | Fidelity customers | Visit |
| Interactive Advisors | Automated Portfolio Management, Access to Advisors | 0.08% – 0.75% annually | $100 | Yes | Investors seeking a hybrid experience | Visit |
| M1 Finance | Automated Portfolio Management, Fractional Shares | $3/month (waived at $10,000+) | $100 | No | DIY investors with long-term focus | Visit |
| Schwab Intelligent Portfolios | Automated Portfolio Management, Tax-loss harvesting | Free | $5,000 | Yes, with Premium plan | Schwab customers, hands-off investors, tax-efficient investing | Visit |
| SigFig | Automated Portfolio Management, Access to Advisors | 0.25% annually | $2,000 | Yes | Investors seeking a hybrid experience | Visit |
| SoFi Automated Investing | Automated Portfolio Management, Financial Planning | 0.25% | $50 | Yes | Young investors with small balances | Visit |
| Stash Automated Investing | Fractional Shares, Educational content | $3-$12/month | $5 | No | Beginner investors | Visit |
| Titan Invest | Active management, RIA hybrid, Access to Advisors | 0.40% annually (flat) | $500 | Yes | Experienced investors, actively managed portfolios | Visit |
| Vanguard Digital Advisor | Automated Portfolio Management, Retirement Planning | 0.20% annually | $100 | No | Vanguard customers, well-known and established investment firm. | Visit |
| Vanguard Personal Advisor | Personalized Portfolio Management, Retirement Planning | 0.30% annually | $50,000 | Yes | High net worth investors | Visit |
| Wealthfront | Automated Portfolio Management, Tax-loss harvesting | 0.25% annually | $500 | No | Beginner to intermediate investors, retirement planning | Visit |
| Wells Fargo Intuitive Investor | Automated Portfolio Management, Access to Advisors | 0.35% | $500 | Yes | Existing Wells Fargo customers | Visit |
Minimum Deposit Comparison
| Robo Advisor | Minimum Deposit |
|---|---|
| Acorns | $5 |
| Ally Invest Robo Portfolios | $100 |
| Axos Invest | $500 |
| Betterment | $0 |
| E*TRADE Core Portfolios | $500 |
| Empower (formerly Personal Capital) | $100,000 |
| Fidelity Go | $10 |
| Interactive Advisors | $100 |
| M1 Finance | $100 |
| Merrill Guided Investing | $1,000 |
| Schwab Intelligent Portfolios | $5,000 |
| SigFig | $2,000 |
| SoFi Automated Investing | $50 |
| Stash Invest | $5 |
| Titan Invest | $500 |
| Vanguard Digital Advisor | $100 |
| Vanguard Personal Advisor | $50,000 |
| Wealthfront | $500 |
| Wells Fargo Intuitive Investor | $500 |
Verdict
Any robo advisor with a minimum deposit of $500 or less works for smaller, beginner investors. Many services tout a $0 or $1 minimum, but you won’t see meaningful returns on a deposit that low. Those tiny limits exist to either entice investors to sign up, or to let you test the service before committing a larger amount.
Vanguard Personal Advisor is for bigger investors with more than $50,000 to invest. Empower requires a $100,000 minimum for its Wealth Management service, but the free financial dashboard works at any account size and is worth using even if you invest elsewhere.
Pricing & Fees Comparison
Fees – the all-mighty decider. Of course, each robo advisor’s annual fees play a huge role in an investor’s decision to invest money with them. After all, that is one of the biggest benefits of robo advisors compared to human financial advisors – drastically reduced fees.
| Robo Advisor | Management Fee |
|---|---|
| Acorns | $3/$6/$12 per month |
| Ally Invest Robo Portfolios | 0% – 0.30% |
| Axos Invest | 0.24% |
| Betterment | 0.25% (Digital) or $4/month; 0.65% Premium (≥$100k) |
| E*TRADE Core Portfolios | 0.30% |
| Empower (formerly Personal Capital) | 0.49% – 0.89% |
| Fidelity Go | $0 < $25k; 0.35% ≥ $25k |
| Interactive Advisors | 0.08% – 0.75% |
| M1 Finance | $3/month (waived at $10,000+) |
| Merrill Guided Investing | 0.45% – 0.85% |
| Schwab Intelligent Portfolios | $0 |
| SigFig | 0.25% |
| SoFi Automated Investing | 0.25% |
| Stash Invest | $3 – $9/month |
| Titan Invest | 0.40% (flat) |
| Vanguard Digital Advisor | 0.20% |
| Vanguard Personal Advisor | 0.30% |
| Wealthfront | 0.25% ($5k free w/ our link) |
| Wells Fargo Intuitive Investor | 0.35% |
Keep in mind that just because a fee is higher doesn’t mean you shouldn’t consider the service. Some robo advisors offer extra features for their fees or have a different investment strategy you might align better with. Having said that, it doesn’t mean you should invest with them either. Make sure you choose the best robo advisor for your needs. This comparison only serves as a reference.
Verdict
Based on our Robo Advisor fees comparison, it is easy to see that management fees will vary wildly depending on the service and investment amount.
In general, you can get reduced fees for both lower investment amounts (using our links), while some robo advisors lower their fees over a certain investment amount, in addition to offering advanced features and options.
If you’re dipping your toes in, several robo advisors run free up to about $25,000. Schwab Intelligent Portfolios is always free, Fidelity Go is free under $25K, and M1 Finance charges $3/month (waived at $10,000+). Empower’s Financial Tools dashboard is free at any balance.
- Wealthfront: First $5,000 managed free with our link
- Fidelity Go: Free up to $25,000
- Schwab Intelligent Portfolios: Always free
- Empower: Financial tools & dashboard are free
Wealthfront, Betterment, SoFi, and Vanguard Digital Advisor are solid affordable robo advisors that take a set-it-and-forget-it approach, well-suited to beginners or hands-off investors.
Account Features Comparison
Whether you prefer automated investing or active trading, it’s important to compare the account features of the robo advisors you’re considering investing in. Here is our comparison of the various account features that robo advisors have to offer:
| Robo Advisor | Portfolio Rebalancing | Tax Loss Harvesting | Automatic Deposits | Human Financial Advisors | Fractional Shares | Cash or Savings Account (APY) |
|---|---|---|---|---|---|---|
| Acorns | Yes | No | Yes | No | Yes | No |
| Ally Invest Robo Portfolios | Yes | No | Yes | Yes | Yes | Yes (3.50%) |
| Axos Invest | Yes | Yes (>$25k +0.20%) | Yes | No | Yes | No |
| Betterment | Yes | Yes | Yes | Yes | Yes | Yes (3.25%) |
| E*TRADE Core Portfolios | Yes | Yes | Yes | Yes | Yes | Yes (4.0%) |
| Empower (formerly Personal Capital) | Yes | Yes | Yes | Yes | Yes | Yes (3.75%) |
| Fidelity Go | Yes | No | Yes | No | Yes | Yes (2.21 - 3.97%) |
| Interactive Advisors | Yes | Yes | Yes | Yes | Yes | No |
| M1 Finance | Yes | No | Yes | No | Yes | Yes (3.10%) |
| Schwab Intelligent Portfolios | Yes | Yes | Yes | No | Yes | No |
| SigFig | Yes | Yes | Yes | Yes | Yes | No |
| SoFi Automated Investing | Yes | No | Yes | Yes | Yes | Yes (4.50%) |
| Stash Invest | Yes | No | Yes | No | Yes | No |
| Titan Invest | Yes | No | Yes | Yes | Yes | Yes (3.24%) |
| Vanguard Digital Advisor | Yes | No | Yes | No | Yes | Yes (3.35%) |
| Vanguard Personal Advisor | Yes | Yes | Yes | Yes | Yes | Yes (3.35%) |
| Wealthfront | Yes | Yes | Yes | No | Yes | Yes (3.30%) |
| Wells Fargo Intuitive Investor | Yes | Yes | Yes | Yes | Yes | No |
We hope that our 2026 Robo Advisor Comparison Guide gives you an idea of what investing service is perfect for you. Let us know if you think we should add anything to this guide.
Curious how big these providers really are? We dug through the 2026 SEC Form ADV filings for every major robo-advisor to show what each one truly manages – and why most “AUM by provider” charts get it wrong.
