4 Best Micro Investing Apps for Beginner Investors (2026)

If micro investing apps beginner is on your radar, this short guide cuts through the noise. Here is what is worth knowing, and how to put it to work today.

Key Takeaways

• 4 Best Micro Investing Apps for Beginner Investors Micro investing apps afford anyone stock market exposure for as little as $5.
• They’re designed to make investing fun by offering well-designed interfaces, and feature easy-to-understand descriptions of what you’re doin...
• Written by Lindsay VanSomeren Last Updated: April 1, 2025 Reviewed by Jeff Proctor Home Investing Some of the links on DollarSprout point to...

4 Best Micro Investing Apps for Beginner Investors

Micro investing apps afford anyone stock market exposure for as little as $5. They’re designed to make investing fun by offering well-designed interfaces, and feature simple-to-understand descriptions of what you’re doing and why.

Written by Lindsay VanSomeren Last Updated: April 1, 2025 Reviewed by Jeff Proctor

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Think about the last time you heard the stock market mentioned on the news. How was it presented?

Here’s what I’ve seen - just this morning - as I’m writing this:

• “Stocks are [UP or DOWN] on [FEARS or HOPE] of [INSERT EVENT].” Example: “Stocks down on fear that the housing bubble may be ready to burst.”
• “Hedge funds pull in record profits once again.”
• “Meet this 23 year old who got rich on [INSERT CRYPTO]”
• “Inside the wild world of day trading meme stocks”

Stories are what captivates us. The financial media knows this well and uses it to keep us glued to the screen. Unless you’re already plugged into the investing world, these types of headlines tend to alienate those of us on the outside.

To the casual observer, it looks like investing is something reserved for rich old men or trust fund babies with lots of money to burn. Or “geniuses” who sit in front of 7 different computer monitors and watch the lines on stock graphs move all day.

The average investor, though, looks nothing like these people. They are remarkably… normal. They are your coworkers, your neighbors, the person standing in line with you at Starbucks.

The average investor isn’t watching the stock market everyday, and they’re no smarter than me or you. They just put a little bit of money into the market when they can, then they go about their lives as normal.

And over years and decades, they slowly accumulate wealth. Frequently life-changing wealth.

That’s how most people do it, but you would never know that from watching CNBC or Fox Business.

The Best Micro Investing Apps for Millennials

There are several platforms that allow you to become a micro investor, but here are some of the best investing apps available.

1. Acorns

Acorns is probably the most well-known micro investing app. It’s an especially well-designed platform that almost anyone can figure out how to use. If you are truly starting from scratch, Acorns is a good place to start because it assumes you know nothing about investing. You can start investing with Acorns for just a $5 minimum deposit.

How it works: Acorns will recommend a portfolio for you based on your answers to a questionnaire about your financial goals. It uses a selection of low-cost exchange-traded funds (ETFs) rather than individual stocks and bonds to create your portfolio.

For an additional fee, you can sign up for Acorns Personal which allows you to open an Individual Retirement Account (IRA). You’ll also have access to an Acorns checking account syncs up to your investment accounts.

Unique features: Acorns allows automatic and manual deposits, but you can also use a “round-up” feature that rounds your purchases up to the nearest dollar and deposits the difference into your investing account.

If you link up a debit or credit card with Acorns, you’ll receive access to its Found Money partners. This will offer you cash back into your investing account for shopping at certain retailers, such as Lyft and Expedia.

Costs: Acorns charges the following monthly fees for its packages:

• Acorns Lite: $1 per month
• Acorns Personal: $3 per month
• Acorns Family: $5 per month

Related: Acorns Review

2. Betterment

Betterment is one of the original robo advisors. Although it does offer an app, most people use its website.

How it works: When you set up your account, Betterment will ask you a series of questions about which types of accounts you want to open, such as IRAs or personal investment accounts. It’ll also ask about your goals and risk tolerance. From there, it’ll handpick a portfolio composed of low-cost ETFs and manage it for you.

All you have to do is add money. You can do that whenever you want or you can set up automatic deposits. Betterment has no investment minimums, so you can open an account today and fund it whenever you have the money , even if it’s only a penny.

Unique features: Betterment may not be as flashy as some of its micro investing competitors, but it does offer a more holistic way to invest. You can rely on Betterment for all of your investing needs. Betterment is also backed by solid investing techniques such as tax-loss harvesting to save you even more money.

Costs: Betterment charges a 0.25% annual management fee for its main investment service. If you want to upgrade to the Premium plan so you can contact a live CFP® for advice on your non-Betterment retirement accounts such as your workplace 401(k), you’ll pay a 0.40% annual fee. For Premium, you’ll need at least a $100k balance.

3. Robinhood

Robinhood’s goal is to make investing in stocks as affordable for individual investors as it is for big companies. This app requires a bit more knowledge than most beginning investors have, so you might want to avoid this one if you’ve never tried investing before.

How it works: This app lets you purchase individual stocks, ETFs, cryptocurrencies, and even has options for no trading fees. It’s a bit more bare-bones than Acorns and Stash, and it offers fewer features.

There is no option to have Robinhood choose the best investments for you, for example. It’s entirely your call, and that’s why it’s best for more advanced investors. Robinhood allows you to purchase fractional shares of stock and ETFs, which is a excellent way to start building positions in higher-priced stocks, like Amazon or Google.

Unique features: Robinhood’s biggest asset is that it offers free trades. Normally, trades can come with hefty fees of $10 or more per trade, especially at some of the bigger brokerage firms. Free trades can save you a lot of money if you trade frequently.

Costs: Robinhood is free to use. If you want to advance your investing and trade on margins, you can pay $5 per month to do so with Robinhood Gold.

Related: Robinhood Review

4. Stockpile

Buying an individual stock can sometimes be very expensive. This poses a problem if you don’t have enough money to purchase an expensive stock yet, and even if you did, it’s not a good idea to tie up all your money in one single investment. Stockpile offers a unique solution to this problem through micro investing.

How it works: Stockpile offers one simple way to invest: by buying fractional shares of individual stocks and ETFs. This app won’t tell you what to invest in; you’ll need to decide for yourself.

Unique features: Stockpile specializes in one thing: offering fractional shares in individual stocks and bonds. This means you don’t need to commit a huge amount of money to purchase investments with a high cost tag, such as Amazon stock. Fractional shares allow you to purchase a portion of one stock or ETF for an equally reduced cost. In fact, you can get started for as little as $5.

Costs: All stock and ETF trades are free.

Key Considerations

• Low deposit requirements. One of micro investing’s strengths is that you can get started with whatever money you have today. That’s excellent for reducing the barrier to entry, but it has other side effects, too. “I’m hesitant to discourage anybody from saving money for the future,” says Justin Pritchard, a CFP® and founder of Approach Fi

  Final Thoughts

  Before you check out, double-check micro investing apps beginner against current offers and any coupons you can stack. Small habits like this add up to real savings over a year.

  Originally published at dollarsprout.com.