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Updated September 18, 2026. Quick answer: Acorns discloses a flat monthly subscription fee (not a percentage of assets), starting at $4.00/month ($48.00/year) in its Acorns Advisers, LLC Wrap Fee Program Brochure (August 3, 2026). Converted to dollars, that runs $48 regardless of account balance (it is a flat subscription, not a percentage of assets); see the full table below for $250,000, $1 million and $2 million.
Fee schedules at comparable advisory firms: Carret Asset Management Fees (2026), Cerity Partners Fees (2026) and Cetera Fees (2026).
The published numbers
From the Acorns Advisers, LLC Wrap Fee Program Brochure (August 3, 2026): “Acorns currently offers three Subscription Fee Plans, all of which include the Acorns Grow Program Fee and the Acorns Advisory Fee. Acorns “Bronze” (formerly referred to as “Personal”), a $3 monthly Subscription Fee Plan for customers signing up on or before August 16, 2026 and a $4 monthly Subscription Fee Plan for customers signing up on or after August 17, 2026 … Acorns “Silver” (formerly referred to as “Personal Plus”), a $6 monthly Subscription Fee Plan for customers signing up on or before August 16, 2026 and an $8 monthly Subscription Fee Plan for customers signing up on or after August 17, 2026 … Acorns “Gold” (formerly referred to as “Premium”), a $12 monthly Subscription Fee Plan.”
- Bronze (formerly “Personal”): $4.00/month ($48.00/year) for customers signing up on or after August 17, 2026
- Silver (formerly “Personal Plus”): $8.00/month ($96.00/year) for customers signing up on or after August 17, 2026
- Gold (formerly “Premium”): $12.00/month ($144.00/year)
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $48 | 0.02% |
| $500,000 | $48 | 0.01% |
| $1,000,000 | $48 | 0.00% |
| $2,000,000 | $48 | 0.00% |
Acorns is a wrap-fee robo-advisory program billed as a flat monthly Subscription Fee, not a percentage of assets, so the annual dollar figure is identical at every balance shown. Three tiers exist (Bronze/Silver/Gold) that differ by which non-advisory features (banking, custom portfolios, etc.) are bundled in, not by account balance; the headline dollar_at uses the base Bronze tier’s current (post-8/17/2026) rate of $4/month x 12 = $48/year, since Bronze is the entry tier that provides the core Acorns Invest advisory service. Silver ($8/mo = $96/yr) and Gold ($12/mo = $144/yr) are the two higher tiers and are listed in full under ‘tiers’. Because the dollar cost does not scale with assets, the effective percentage rate falls sharply as balance rises (e.g. Bronze’s $48/year is 19.2% of a $250 balance but 0.0024% of a $2,000,000 balance) – this is the expected, real consequence of a flat-fee model and is not an error.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Acorns’s own published rate runs $48 a year.
Comparing Acorns against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Acorns Advisers, LLC Wrap Fee Program Brochure (August 3, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053710
- SEC Investment Adviser Public Disclosure, Acorns Advisers, LLC (CRD #165926): https://adviserinfo.sec.gov/firm/summary/165926
- Acorns Advisers, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/165926/PDF/165926.pdf
Methodology. This page was built September 18, 2026, drawing on Acorns’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is Acorns a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
Thinking about leaving Acorns instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
What does it take to open an account? See Acorns’s minimum investment, straight from its own Form ADV Part 2A brochure.
Weighing whether to move ahead? Read the full Acorns review, including its fiduciary status and what it costs to leave.
How does this compare? See the annual fee on $500,000 at 165 advisory firms, each from the firm’s own filing.