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Smartphones make it easy to access information at any time, and what better way to make use of technology than to grow your money?
Today, there are a number of awesome investing apps that are perfect for growing your own portfolio, even if you’re starting from scratch. In the past, we’ve looked at apps for saving money, apps for making money, and budgeting apps. Today, we’ll shift our focus to the best investment apps.
Many of these apps are especially for new investors, which means you can get started with small amounts of money. Many of them will also prioritize ease of use, and some offer additional learning and educational resources that can help you become a better investor.
Social investing, commission-free trades, fractional shares
Up to $70 of free stock
Automated investing with no fees, fractional share
$50 signup bonus
Commission-free trades, no minimums, fractional shares, crypto
Free stock worth $2.50 - $225
Commission-free trades, no minimums, fractional shares, crypto
Social aspect allows, one-click portfolio allocation
Up to $1,000 signup bonus
Professionally-managed portfolio, excellent track record
No current bonus
Earn free stock based on your purchases
No current bonus
Free dashboard with reporting and net worth tracking
No current bonus
Investing for beginners, fractional shares, and a "stock back" card
$5 signup bonus
Hands-free real estate investing
No current bonus
Invest spare change by rounding up your purchases
No current bonus
Give or receive the gift of stock
No current bonus
Investing news, data, and reports
No current bonus
13 of the Best Investment Apps
Please note that these are in no particular order as all of these apps have pros, cons, and unique features. Ultimately, it will be up to you to choose one that best fits your needs and taste.
Public.com is an investing app that offers commission-free trading with a social twist. You can trade stocks and ETFs, but Public.com also allows you to learn from other investing through the social features, unlike other investing apps.
As far as the actual investing is concerned, Public.com is perfect for new investors because you can start with as little as $1, and you can purchase fractional shares. Public.com will even give you a free slice of stock worth up to $70 when you create an account through this link.
The social aspect of Public allows you to follow other active investors, learn from their trades, and join in conversations about investing. You can even start a group or join existing groups to connect with other users. So whether you’re interacting with your friends or people you’ve met through the app, the social aspect can be a lot of fun. Read our Public.com review to learn more.
Public.com is an investing app that allows you to buy fractional shares of ETFs or any stock commission-free for as little as $1. You'll love the social aspect that makes it possible to connect with other investors. Get a free bonus when you open an account through our link. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/.
Public – Pros
- Buy and sell stocks and ETFs with zero commissions and no minimum balance.
- Purchase fractional shares if you can’t or don’t want to buy an entire share.
- Interact with other users and investors, including your friends, through the social aspect of the app.
- Public.com is exceptionally user-friendly and an excellent app for beginners.
- Public.com does not make money by selling your trades (Payment for Order Flow), unlike some of their competitors.
- Limited-time: You can get up to $70 of free stock as a signup bonus (if you sign up through this referral link).
Public – Cons
- The data and analysis provided through the app are relatively limited.
- The investment options are somewhat limited.
Public.com offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/.
2. M1 Finance
M1 Finance provides free automated investing. You can invest automatically in a custom stock and ETF portfolio based on your chosen criteria. M1 Finance offers many of the same benefits as a robo advisor like Betterment or Wealthfront, but without the fees.
You can choose from 80 expert-made portfolios or create your own custom portfolio and determine your approach. Then, all you need to do is contribute money to your account, and M1 Finance will automatically invest it according to your settings. Moreover, you can rebalance at any time with a single click or completely change the structure of your portfolio.
In addition, you can buy fractional shares with M1 Finance. It’s a simple, effective, and free investment platform. We love M1 Finance as an excellent option for long-term investors.
Custodial accounts, interest-earning checking accounts, low-interest loans, and other perks are available through M1 Plus ($125 per year, the first year is free), but the free account is more than enough for most users.
Read our M1 Finance review to learn more.
M1 Finance – Pros
- Unlike most asset managers that rebalance your portfolio monthly, you can rebalance with M1 Finance whenever you want.
- You can open several types of accounts: individual, joint, retirement, trust, LLC, and corporate investment account.
- There are no fees or commissions so that you can buy and sell and rebalance frequently.
- No minimum balance.
- You can easily create a diversified portfolio.
- Good for all experience levels, especially beginners, thanks to “pies.”
- You can set up recurring investments and rebalance them automatically.
- Right now, M1 Finance is offering a $50 bonus for new users if you sign up through this link.
M1 Finance – Cons
- Can only invest in stocks and ETFs. No mutual funds, bonds, cryptocurrencies.
Robinhood is a popular mobile brokerage app that makes it easy to buy and sell stocks, ETFs, and cryptocurrencies. The company has had a significant impact on the industry by offering free trades and no minimum investments, making it an excellent option for beginners and the most well-known stock trading app.
The mission of Robinhood is to make investing accessible to everyone. With no minimums, commission-free trades, and the ability to purchase fractional shares, Robinhood is an excellent option for beginners. The app is also straightforward to use.
Compared to Public.com, Robinhood offers more investment options (most notably, Bitcoin and other cryptocurrencies) but lacks social functionality.
Robinhood – Pros
- 100% commission-free stocks, options, ETFs, and the ability to invest in cryptocurrencies. Investors who trade often will love Robinhood as it saves them lots of money on commissions and trading fees.
- Robinhood has no account minimum balance, so you can get started as soon as you like. You will need money to purchase a share or a cryptocurrency, but you can get started with just a few dollars.
- Robinhood is straightforward and quick to use. It takes a few minutes to open up the account and only one business day to transact anything under $1,000. Anything above that will take a few more days.
- Robinhood Gold allows investors to trade on margins, meaning with borrowed money (please note, this is very risky), at a relatively low monthly fee of $5.
Robinhood – Cons
- Mutual funds and bonds are not supported. Nor is the ability to reinvest dividends into the security that issued them.
- Only one account option is available – the brokerage account.
Like Robinhood, Webull also offers free trades on stocks, ETFs, and crypto. Webull also requires no account minimum, making it another excellent option for new investors. In addition, they recently added the ability to purchase fractional shares, which eliminated one of the significant drawbacks of this app.
While Robinhood is a little more simple, Webull offers advanced reporting and analysis features that many investors, especially advanced investors, will love. Learn more in our Webull review. You can also see our comparison of Robinhood vs. Webull vs. Stockpile for more info.
Webull’s features include fundamental and technical analysis available for intermediate and advanced investors:
- Fundamental – Analyst recommendations, revenue and historical eps data, key stats, dividends, etc.
- Technical – Real-time bar, candlestick and line charts, oscillators, MACD, etc. This is perfect if you’re an experienced investor.
- Research – Markets, news, screeners, and individual stock page. Active traders love all of the information.
→ Related reading: Legit Ways to Get Free Stocks
Webull – Pros
- Commission-free trading with 5,000+ different stocks and exchange-traded funds (ETFs), plus cryptocurrency and options trades. Perfect for the active trader.
- Purchase fractional shares.
- No account maintenance or software platform fees.
- No charges to open and maintain an account.
- Leverage of 4:1 on margin trades made on the same day and 2:1 on ones held overnight.
- Great analysis tools.
- Extended trading hours.
Webull – Cons
- Cannot trade mutual funds, OTC stocks, or bonds like you can with some online brokerages.
Tornado (formerly known as Nvstr) is kind of like Public.com because you can invest and connect with other users and gain experience. Although the two apps share some similar objectives, they function very differently. Tornado allows you to invest in individual stocks as well as ETFs. Unlike some of the other apps, the trades are not commission-free. There is a fee of $4.50 per trade, or you can pay $4 per month for a membership, which gives you 20 free trades per month. So if you’re going to make at least one trade per month, it’s cheaper to go with the membership.
There are some excellent features that Tornado has to offer, including one-click portfolio allocation. You can also follow expert investor strategies to learn and improve your investments. Tornado also provides free access to Capital IQ, a powerful tool for research and analysis.
Read our Tornado review to learn more.
Tornado – Pros
- The one-click portfolio allocation can be a big time-saver.
- Free access to Capital IQ is valuable.
- Like Public.com, Nvstr has a social aspect for investing in the stock market.
- The “collective wisdom” available through Tornado can be a great learning tool.
- Free signup bonus if you create an account through this referral link.
Tornado – Cons
- You must pay a fee of $4.50 per trade for stock and ETF trades or pay $4 per month for a membership.
- The investment options are somewhat limited.
Titan is a “world-class investment manager” and mobile platform that offers some of the same benefits as hedge funds and robo advisors. They currently offer three different strategies: Flagship (large-cap, U.S.-focused), Opportunities (small and mid-cap, U.S.-focused), and Offshore (international-focused). When you create an account in the Titan app, it will ask you a few questions about yourself, your preferences, and your investment goals. Titan will then suggest a combination of the three strategies to create your portfolio. Of course, you can override their suggestions and allocate the percentages differently if you’d like.
Titan has only been around for a few years, but they have an impressive track record so far. They’ve outperformed just about every other investment manager and robo advisor. You also have the opportunity to withdraw your investment at any time, so it is entirely liquid.
There is a 1% investment management fee with Titan; however, you can get that fee reduced or waived by referring a few friends (reduction of 0.25% for each referral – refer four friends, and you’ll pay no fees).
The 1% fee applies to accounts with a balance of $10,000 or more. If your balance is less than $10,000, the fee is $5 per month.
If you’re looking for a hands-free way to invest your money and you want to maximize your long-term growth, be sure to take a look at Titan. They’re also going to be offering a cryptocurrency strategy soon.
Titan – Pros
- Professionals manage your portfolio.
- Potential for very high returns.
- Completely liquid.
- Titan has outperformed almost every other investment manager or robo advisor since it launched in 2018.
- Hands-free investing.
- A low minimum initial investment of $100.
- Multiple strategies are available.
- Open a taxable account or IRA.
- Titan provides education to explain the investments they make.
- Cryptocurrency is coming soon.
- Excellent user experience through the mobile app.
- Opportunity to reduce or eliminate the fee by referring friends.
Titan – Cons
- Limited track record due to being only a few years old.
- 1% annual management fee (or $5 per month if your balance is less than $10,000).
Bumped is an investment app that functions more like a cashback app. Instead of investing your own money, you’ll earn free fractional shares of stock based on your purchases. It’s a fantastic app because it’s essentially free money that gets invested into your account. You can sell the investments and withdraw the cash if you want, or you can use it as a way to build long-term wealth.
There’s no cost to use Bumped, and you can still earn cashback and rewards from credit cards to stack the rewards multiple levels, so there’s no reason not to be using Bumped. If you’re a regular reader, you know we love free money, and it doesn’t get any better than free stock.
When you create your account with Bumped, you’ll link the app to your credit and debit cards. You’ll also be able to select your favorite brands in different categories (they refer to them as loyalties). Then, whenever you make a purchase with a linked card at one of the merchants selected with your loyalties, you’ll automatically earn stock. Typically, you’ll earn stock for the company where you’re making a purchase, but sometimes you’ll earn a fractional share of Vanguard’s VTI, a popular ETF. So for example, every month, I earn Netflix stock equal to 1% of my monthly payment to Netflix.
You can also earn rewards faster by shopping through the app, similar to how many cashback apps function.
Overall, Bumped is an excellent app because you’re getting free stock based on purchases that you would be making anyway.
Although Bumped is one of my favorite apps, it’s not going to serve as a replacement for the other apps listed here, and it will not serve as your primary investment strategy. Instead, think of it as more like a cashback app for extra money.
Bumped – Pros
- Earn free stocks based on purchases you would be making anyway.
- It’s an easy way to boost (or bump) your portfolio without investing any of your own money.
- Earn stock from the companies you support.
- Stack your rewards on top of cashback apps and rewards credit cards.
Bumped – Cons
- Not a primary investment strategy.
- The companies available in the “loyalties” are somewhat limited. It’s still a new app, so hopefully this improves with time.
Personal Capital offers wealth management services somewhat of a hybrid between a robo advisor and a traditional financial advisor. As a Personal Capital client, you will have a dedicated advisor, but they also make excellent use of technology.
Although wealth management is their primary service, that’s not why we recommend the app. Instead, we’re fans of the free personal finance tools offered that can help your financial situation.
In addition to wealth management services, Personal Capital offers a totally free app that can help track the progress toward your financial goals. You don’t need to be a wealth management customer to use the app, and the app has a ton of excellent features like net worth calculation and tracking and reporting tools that pull in data from your various investments. It’s easily one of the best financial and investment apps, and it’s free. Just link the app to your bank accounts, brokerage accounts, and alternative investments, and it will track everything for you.
Personal Capital – Pros
- Personal Capital is a combination of a human advisor and robo advisor. The goal is to give you the best of both worlds.
- They have other products that help your financial life, and many of them are free. For example, they can help manage your net worth and liquid net worth, scan your portfolio for any hidden or excessive fees, manage your cash flow, budget for you, and many more things – all for free.
- The free app serves as an excellent dashboard for managing your finances and monitoring investments.
Personal Capital – Cons
- Fees are significantly higher for Personal Capital than many of its competitors (for wealth management services) at 0.49% to 0.89%, which are much higher than competitors like Wealthfront, which is only 0.25%).
- You need $25,000 minimum to invest with Personal Capital.
- You must manually input certain investments and expenses in the app to track them on your dashboard, even though most of them do get automatically added by connecting your various bank accounts, credit cards, etc.
Stash offers investing, saving, and banking, with a focus on new investors. You can get started with as little as $5 and build your custom investment portfolios. Stash supports automated investing with automatic transfers that you control. The investments will be in stocks and ETFs, with fractional shares available.
One of the unique features of Stash is the “stock-back card.” The card works in a similar way to a traditional cashback credit card. However, you’ll boost your investment balance instead of earning cash back or other rewards.
You’ll also benefit from the educational resources created by Stash. Learn more in our Stash review.
Stash – Pros
- It makes the process of selecting investments much easier for beginners. And you only need $5 to start.
- You can buy various fractional shares.
- It offers investments based on value and risk tolerance.
- Stock-back card.
Stash – Cons
- The subscription fees are high. $1 a month for the brokerage account and a bank account. $3 a month that adds a retirement account. (These fees add up, especially for smaller accounts.)
- ETF expenses are high – 0.30%.
- Stash doesn’t provide lots of detail and transparency about their fees and investment options.
Fundrise is the only app on our list that focuses exclusively on real estate investing. This popular real estate crowdfunding platform provides the easiest way to diversify your portfolio by adding real estate into the mix.
While traditional real estate investing comes with some significant drawbacks, like the need for a large sum of money and the time investment to manage a rental property, Fundrise makes it easy and convenient. In addition, it’s a passive investment, so you can own a piece of a valuable real estate portfolio with the need to be a landlord. You can also get started with as little as $1,000.
Investing in real estate is a proven and time-tested way to grow wealth. Fundrise, one of the industry leaders, makes this asset class accessible to everyone.
When you invest with Fundrise, you’ll be investing in a portfolio of properties throughout the US instead of investing in a single property. In addition, Fundrise offers a few different core strategies to match your investment goals, like long-term growth or supplemental income.
Read our Fundrise review to learn more.
Fundrise – Pros
- One of the easiest ways to invest in real estate.
- Alternative to investing in the stock market.
- Perfect for passive investors.
- Lower minimum investment ($1,000) than most real estate platforms.
- Solid historical returns.
- User-friendly dashboard with clear reports on your investment’s performance.
- Several different core strategies to choose from.
Fundrise – Cons
- Higher minimum than other investment types, like stocks and ETFs.
- Not 100% liquid and not ideal for shorter-term investments.
Acorns is a unique automated savings tool. You can automatically invest leftover change from your everyday purchases with their round-up feature. You’re unlikely to notice the “missing” money that’s invested for you, but it can help to grow your investment balance faster.
With Acorns, you can take advantage of micro-investing, making it possible for anyone to start investing, even with tiny amounts of money. Learn more in our Acorns review.
Acorns – Pros
- Management fees are waived (for four years) for college students who register with a .edu email. After four years, students may have saved up and earned a substantial amount of money.
- Acorns automatically takes spare “change” from every single purchase and invests it. With each purchase, Acorns rounds up to the nearest dollar and allows you to invest it. As it is automatic, you won’t have to do much work, saving you lots of time and money.
- Low minimum of $5 to start investing into one of the prebuilt portfolios.
- Cashback when you use a card linked to Acorns to purchase from a partnered company.
Acorns – Cons
- Management fees are quite high – $1 a month for an Acorns Core taxable investment account, $2 a month for Acorns Later, an IRA account, and $3 a month for Acorns Spend, the checking account and debit card offering, which includes the investment accounts.
- Limited investment options. You have a choice of 5 portfolios, and all of them are smaller than average robo-advisor portfolios.
Stockpile is unique because you’re able to give stocks to others as a gift. In addition, you can make your wishlist of stocks and share it with others. Stockpile also makes it easy to get started by requiring a low minimum of just $5 and allowing the purchase of fractional shares.
Stockpile – Pros
- You can buy and receive gift cards (starting at $5 and going to $100) that allow you to purchase specific stocks, including Apple, Google, Amazon, Berkshire Hathaway, Disney, Microsoft, McDonald’s, and even Bitcoin Investment Trust.
- There are no monthly or annual fees, only a low trading fee of $0.99 for each trade.
- You can buy fractional shares.
Stockpile – Cons
- Only have access to two types of accounts: a taxable and a custodial (for children, anyone under 18) one.
- Can only invest in stocks and ETFs. No bonds, options, or mutual funds.
- Before 3 p.m. trades are executed the same day, but after 3 p.m. trades are executed the next day.
13. Atom Finance
Atom Finance is different from the other investing apps covered here because you won’t be investing through Atom Finance. Instead, Atom Finance provides information and data that can help you to make better investment decisions.
Most of the popular investment apps listed above provide some data or analysis tools, but they’re generally minimal. Professional investors use data extensively, but the traditional tools and resources used by the pros are expensive and out of reach for most people. Atom Finance wants to make that valuable data accessible to the average investor.
The Atom Finance app can be downloaded and used for free. They also offer a premium plan for $9.99 per month, but most users will get what they need from the free plan. While Atom Finance does not provide investment advice, the free plan includes breaking news and alerts, daily market briefings, real-time stock quotes, historical company financials, and some limited data in other categories.
Atom Finance – Pros
- You can get news and insights for free.
- Get access to data that isn’t available with most other investing apps.
- A premium plan is available for those who want to dig deeper.
Atom Finance – Cons
- The data available with the free plan is good but limited.
There are a ton of investing apps available on the market. Some are significantly better than others, and we’ve featured the ones we think are the best. It’s up to you to weigh the pros and cons of these apps, see what your own needs are and how knowledgeable you are about investing, to pick the correct investing app for you.