1. Betterment
Rating: 4.5/5 | Editor's Choice | Pricing: 0.25%/year
America's largest independent robo-advisor with automated investing and tax optimization.
Best Robo-Advisors (2026)
Automate your investing with top robo-advisors for passive portfolio management.
8 tools reviewed | Updated monthly | Independent reviews
All Robo-Advisors Reviewed
2. Wealthfront
Rating: 4.5/5 | Pricing: 0.25%/year
Robo-advisor with direct indexing, financial planning, and high-yield cash account.
3. Vanguard Digital Advisor
Rating: 4.3/5 | Pricing: ~0.15% annual advisory fee; $3,000 minimum
Low-cost robo-advisor from Vanguard with index fund portfolios
4. M1 Finance
Rating: 4.2/5 | Pricing: Free (M1 Plus: $125/yr)
Free automated investing with custom portfolio Pies.
5. Ellevest
Rating: 4.2/5 | Pricing: From $12/mo
Robo-advisor designed for women with goal-based investing and impact portfolios.
6. Personal Capital
Rating: 4.2/5 | Pricing: Free dashboard; advisory from 0.89% annual fee
Free wealth management dashboard and premium advisory service
7. Schwab Intelligent Portfolios
Rating: 4.1/5 | Pricing: Free (no advisory fees); Premium $30/month
Free automated investing from Charles Schwab
8. Acorns
Rating: 3.8/5 | Pricing: $3 – $12/mo
Micro-investing app that rounds up purchases to invest spare change, with retirement accounts, banking, and rewards.