26 Best Robo-Advisors for Automated Investing in 2026

Wealthfront manages over $90 billion for roughly 1.3 million clients and has repeatedly ranked at or near the top of NerdWallet's robo-advisor rankings since 2022, winning its Best Portfolio Options award in 2026. The platform charges a flat 0.25% annual advisory fee on all invested assets, with a $500 minimum to open an automated investing account. Tax-loss harvesting runs daily on taxable accounts, and accounts over $100,000 can access direct indexing, which Wealthfront claims has covered the advisory fee more than 6x over for typical clients. In late 2025 Wealthfront launched a mortgage lending service in California, Colorado, and Texas, extending its financial ecosystem well beyond investing.

Betterment is the largest independent digital financial advisor in the US, managing over $55 billion for more than 900,000 customers as of early 2025. It operates on a tiered fee structure: $4 per month for accounts under $20,000 (unless you set up $250+ in recurring monthly deposits), then 0.25% annually above that threshold. In early 2025, Betterment acquired Ellevest's automated investing accounts and in 2024 absorbed Goldman Sachs Marcus Invest, cementing its position as the consolidation hub for the industry. The platform offers tax-loss harvesting on all taxable accounts, goal-based investing, and a Crypto ETF portfolio (1% fee) invested in spot Bitcoin and Ethereum ETFs. Premium tier clients with $100,000+ pay 0.65% annually for unlimited CFP access.

Schwab Intelligent Portfolios charges no advisory fee and no trading commissions for its standard digital-only service, making it one of the few genuinely free robo-advisors in the US. Schwab earns revenue instead through the cash allocation built into every portfolio (typically around 10% in cash swept to Schwab Bank) and through ETF management fees on its proprietary funds. The platform requires a $5,000 minimum and builds portfolios from approximately 51 ETFs across more than 20 asset classes. Tax-loss harvesting is available for accounts over $50,000. Notably, in early 2026 Schwab discontinued its Intelligent Portfolios Premium tier, which had offered unlimited CFP access for a $300 one-time fee plus $30/month, citing profitability pressures in the hybrid advice model.

Fidelity Go is the robo-advisor arm of Fidelity Investments, one of the largest financial services companies in the US. It charges no advisory fee on balances under $25,000, and a flat 0.35% annually once the balance crosses that threshold. Unlike most robo-advisors, Fidelity Go invests exclusively in Fidelity Flex mutual funds, which carry zero expense ratios themselves, meaning investors below $25,000 pay nothing at all in fees. There is no account minimum to open, and investing begins with as little as $10. Kiplinger named Fidelity Go the Best Robo-Advisor of 2025 in its annual survey. Above $25,000, clients gain access to unlimited 1-on-1 coaching sessions with licensed Fidelity advisors.

Vanguard Digital Advisor is the robo-advisory service from Vanguard, the firm that manages over $10 trillion in assets and pioneered index fund investing in 1975. The service charges a gross advisory fee of 0.20%, but credits back ETF expense ratios paid to Vanguard affiliates, resulting in a net advisory fee of approximately 0.15% annually. Morningstar ranked Vanguard Digital Advisor first overall in its 2025 Robo-Advisor Landscape report, the same ranking it received in 2022 and 2023. The $100 minimum (for IRAs) and 90-day fee waiver for new accounts make it accessible. Clients who grow to $50,000 can upgrade to Vanguard Personal Advisor at a net 0.30% fee with dedicated CFP access.

SoFi Automated Investing charges a 0.25% annual management fee, introduced in November 2024 after several years of operating fee-free. Portfolios are built in collaboration with BlackRock and come in three themes: Classic (low-cost stock and bond ETFs), Classic with Alternatives (adds real estate and private markets), and Sustainable. SoFi members get a complimentary 30-minute session with a Certified Financial Planner; SoFi Plus subscribers get unlimited CFP access. The platform requires a $50 minimum, and a 1% IRA match on rollovers and contributions is available for both automated and active accounts. SoFi also charges a $100 outgoing transfer fee, which is steep compared to most competitors.

M1 Finance bills itself as a Finance Super App combining brokerage, automated investing, and high-yield cash. The platform uses a 'Pie' system where each portfolio is a custom slice of ETFs and stocks, automatically invested and rebalanced via Dynamic Rebalancing. As of March 2026, M1 manages approximately $10 billion in assets for over 320,000 users. There are no trading or management fees, but a $3/month platform fee applies unless your total M1 assets exceed $10,000 or you have an active M1 Personal Loan. The high-yield cash account earns 4.00% APY. A $100 outgoing ACAT transfer fee and a $100 IRA termination fee apply if you close accounts.

Acorns uses a flat monthly subscription model with three tiers: Bronze ($3/month), Silver ($6/month), and Gold ($12/month). The platform's signature feature is Round-Ups, which rounds card purchases to the nearest dollar and invests the difference once $5 accumulates. Acorns manages portfolios of low-cost ETFs with expense ratios typically between 0.04% and 0.22%. The Gold plan adds a 3% IRA match on new contributions in the first year, kids' investment accounts (Early Invest), and a $10,000 life insurance policy. No advisor access is offered on any tier. The flat fee structure becomes relatively expensive as a percentage of assets for small accounts: at $3/month, a $500 portfolio is paying 7.2% annually in fees.

Stash is a hybrid platform combining a guided brokerage account with an automated Smart Portfolio robo-advisor, all for a flat monthly subscription. It offers two plans: Stash Growth ($3/month) and Stash+ ($9/month). Stash Growth includes a personal and Roth IRA with automated Smart Portfolio management, banking with the Stock-Back debit card, budgeting, and access to a registered financial advisor for guidance. Stash+ adds custodial investment accounts for kids and a $10,000 life insurance benefit. Stash has over 1.2 million users. The Smart Portfolio does not support IRAs, meaning IRA automation must be handled separately. A $75 ACAT fee applies to outgoing account transfers.

Empower (formerly Personal Capital) is a digital wealth manager that pairs algorithm-driven portfolio management with dedicated human financial advisors. It requires a $100,000 minimum and charges 0.89% annually on the first $1 million, declining to 0.79% between $1M and $3M, and to 0.49% above $10M. The platform is best known for its free Personal Dashboard, which aggregates all financial accounts into one view and is used by millions of people even without a managed account. Portfolio management uses ETFs and, above $200,000, individual stocks for enhanced tax-loss harvesting. Estate planning, personalized tax strategies, and alternative asset access are available above $1 million.

Ally Invest Robo Portfolios offers two distinct structures: a Cash-Enhanced portfolio with no advisory fee (30% in interest-earning cash) and a Market-Focused portfolio charging 0.30% annually with approximately 2% in cash. Both require only a $100 minimum and are available as individual, joint, IRA, and custodial accounts. The platform supports four portfolio themes: Core (globally diversified), Income (higher dividends, conservative bias), Socially Responsible, and Tax-Optimized. Ally's seamless integration with Ally Bank accounts is its primary competitive advantage, allowing direct transfers with no delays. There is no tax-loss harvesting and no access to human financial advisors within the robo service.

Interactive Advisors is the robo-advisory arm of Interactive Brokers, the global brokerage firm with approximately $14 trillion in client equity. Clients invest in portfolios managed by third-party portfolio managers, who are registered investment advisors running strategies on the Interactive Advisors marketplace. Management fees range from 0.10% to 0.75% annually depending on the portfolio, with Interactive Advisors retaining 0.25% and passing the rest to the portfolio manager. Over 70 portfolios are available, with minimums as low as $100 for some strategies. A key differentiator is that all investments are held in the client's own Interactive Brokers brokerage account, providing full transparency and custody control.

Wealthsimple is Canada's largest robo-advisor and digital wealth manager, serving over 3 million clients and managing assets that surpassed $100 billion (CAD) by October 2025. The company operates three tiers based on total assets: Core (under $100,000 at 0.50%), Premium ($100,000-$499,999 at 0.40%), and Generation ($500,000+ at 0.20-0.40%). All accounts support TFSAs, RRSPs, FHSAs, RESPs, LIRAs, and non-registered accounts, the most comprehensive registered account coverage of any Canadian robo-advisor. Wealthsimple has diversified aggressively into cryptocurrency trading, direct indexing, private assets, and mortgage services, though these expansions have drawn criticism from users who valued its original low-cost passive investing focus.

SigFig is a hybrid robo-advisor that manages investments held in partner brokerage accounts rather than opening a new custodial account. Clients connect their existing Fidelity or Charles Schwab accounts, and SigFig overlays its management on those assets. A $2,000 minimum is required, and accounts up to $10,000 are managed for free; above $10,000, the fee is 0.25% annually, in line with industry benchmarks. SigFig also offers a free Portfolio Tracker that analyzes up to any number of linked accounts for fee analysis and asset allocation, available without a managed account. Unlimited access to human investment advisors is included for all paid clients, a differentiator at this price point.

Axos Invest is the robo-advisory arm of Axos Financial, operating since 2019 after the acquisition of WiseBanyan. The platform charges a flat 0.24% annual advisory fee on accounts above $500, with a $1/month fee if the balance falls below that threshold. It offers Managed Portfolios with over 30 asset class options including US and international equities, corporate bonds, high-yield bonds, real estate, inflation-protected securities, and commodities. Investors can accept the algorithm's recommended portfolio, modify it, or build a completely custom Pie from scratch. Self-directed trading (commission-free stocks and ETFs) is available alongside the managed accounts in the same platform. Tax-loss harvesting requires a $25,000 minimum and an additional 0.20% annual fee.

WealthNavi is Japan's largest robo-advisor by assets under management, managing over ¥1.8 trillion (approximately $12 billion USD) for 450,000 active users as of January 2026. The platform invests in a globally diversified portfolio of seven ETFs from providers including Vanguard, iShares, and State Street, covering US equities, non-US equities, bonds, real estate, gold, and more. In December 2024, Mitsubishi UFJ Financial Group (MUFG) acquired WealthNavi for approximately ¥99.7 billion ($664 million), cementing its status as the dominant digital wealth management platform in Japan. The standard fee is 1.0% annually (1.1% with Japanese consumption tax); clients using NISA tax-exempt accounts pay a weighted average of 0.63-0.67% depending on risk tolerance.

Nutmeg was the UK's first digital wealth manager, launched in 2012 and acquired by J.P. Morgan in 2021. As of late 2025, J.P. Morgan has announced the Nutmeg brand will be retired and migrated to J.P. Morgan Personal Investing, with the transition underway through 2026. Nutmeg grew to over £8.5 billion in AUM and 150,000+ clients before the rebrand. Four portfolio styles are available: Fully Managed (0.75% up to £100k, 0.35% above), Smart Alpha (powered by J.P. Morgan Asset Management), Fixed Allocation, and Thematic. Clients above £250,000 gain access to dedicated relationship managers. Account types include Stocks and Shares ISA, Lifetime ISA, Junior ISA, SIPP, and GIA.

Moneybox is a UK savings and investment app founded in 2015, best known for its Round-Up feature that invests spare change from card transactions. The platform has over 250,000 users and offers three ready-made investment portfolios (Cautious, Balanced, Adventurous) plus DIY fund and stock access. Fees consist of a £1/month subscription (free for the first three months, waived for users with £5,000+ in a Moneybox Cash ISA or Simple Saver) plus a 0.45% annual platform fee. Pension accounts carry a reduced 0.15% platform fee on balances over £100,000. Account types include Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension, and GIA, making Moneybox one of the most account-complete beginner platforms in the UK.

Scalable Capital is one of Europe's largest fintech investment platforms, headquartered in Munich and regulated by BaFin. It offers two distinct products: a digital wealth management (robo-advisor) service charging 0.75% annually, and a brokerage service under the FREE and PRIME+ models. The FREE broker charges €0.99 per trade (free for ETF savings plans); PRIME+ offers unlimited trades above €250 for a flat €4.99/month. Uninvested cash earns 2.50% APY on both plans. Assets are custodied by Baader Bank, a regulated German institution, with deposits protected up to €100,000. The platform is available in Germany, Austria, the Netherlands, Italy, Spain, France, and the UK.

Moneyfarm is one of Europe's largest independent digital wealth managers, with over £5 billion in AUM as of late 2025 following its acquisition of Willis Owen. The company operates in the UK and Italy under FCA regulation and offers three portfolio management styles: actively managed (fees starting at 0.45% for up to £50,000, declining to 0% above £1.5 million), fixed allocation (0.15% flat), and Liquidity+ (0.30% platform + 0.05% management for short-duration investments). In August 2025, Moneyfarm restructured its pricing into three Wealth tiers: Core (digital advice), Premium (investment consultant access above certain thresholds), and Private (dedicated Wealth Manager at £12.99/month add-on or by AUM threshold). Fund costs average 0.16% annually on top of the management fee.

Sarwa is the UAE's leading robo-advisor, founded in 2017 and dual-regulated by the Dubai Financial Services Authority (DFSA) and the Financial Services Regulatory Authority (FSRA) in Abu Dhabi. The platform serves investors in the UAE, Kuwait, Bahrain, and Saudi Arabia with over $800 million in AUM. It offers four investment strategies: Conventional, Socially Responsible, Halal (Shariah-compliant), and Crypto (5% Bitcoin ETF allocation within a broader portfolio). Management fees range from 0.40% to 0.85% depending on account size, with a $500 minimum and no withdrawal or local transfer fees. Portfolios are built from Vanguard and iShares ETFs and custodied at Saxo Bank. Sarwa is expanding in 2026 with a desktop application and open banking funding.

Syfe is a Singapore-based robo-advisor founded in 2019 and regulated by the Monetary Authority of Singapore (MAS) under a Capital Markets Services Licence. The platform offers multiple portfolio types: Core (globally diversified ETF portfolios), REIT+ (focused on Singapore REITs tracking the SGX iEdge S-REIT Leaders Index), Income+ (high-yield bonds and dividend equities), and Custom portfolios. Management fees are tiered by AUM: 0.65% for under S$50,000, declining to 0.25% above S$5 million. There is no minimum investment, and SRS (Supplementary Retirement Scheme) funds are accepted. Assets are held with HSBC Institutional Trust Services as custodian.

Endowus is Singapore's leading digital wealth manager for CPF, SRS, and cash investing, founded in 2017 and regulated by MAS. It is the only digital advisor in Singapore that allows investors to grow their CPF Ordinary Account (OA) and Special Account (SA) savings in institutional-grade unit trusts. Cash management fees range from 0.60% annually for up to S$200,000 to 0.25% above S$5 million, with a separate 0.40% annual rate for CPF and SRS portfolios. A notable feature is that Endowus rebates 100% of trailer fees (commissions paid by fund houses to distributors) back to clients, effectively reducing the net cost. The minimum investment for cash portfolios is S$1,000, with S$100 top-ups.

StashAway is a multi-market digital wealth manager founded in Singapore in 2016 and now operating across Singapore, Malaysia, the UAE, Bahrain, and other MENA markets. The platform is regulated by MAS in Singapore and the FSRA in Abu Dhabi. It manages investments using a proprietary framework called ERAA (Economic Regime-based Asset Allocation), which dynamically adjusts portfolio allocation based on macroeconomic data. Annual management fees range from 0.20% to 0.80% based on AUM. StashAway Simple, a cash management account, charges 0.15% annually. There is no minimum investment for managed portfolios, and a 1% IRA match equivalent (1% on SRS contributions in Singapore) is offered through partnership programs.

Rebellion Research is a New York-based SEC-registered investment adviser and AI research think tank founded in 2003, widely recognized as one of the first firms on Wall Street to apply artificial intelligence and Bayesian network algorithms to portfolio management, beginning in 2006. The firm is registered to operate in New York, Texas, Kentucky, and other states where registered or exempt. Rebellion Research positions itself as both an AI investment manager and a not-for-profit educational think tank focused on AI development, conference programming, and financial research. Specific retail pricing is not publicly listed; prospective clients are directed to contact the firm directly for advisory terms.

Titan launched in 2018 as an actively managed investment platform using hedge-fund-style stock selection, and by 2025 had pivoted significantly toward a comprehensive wealth management model pairing human advisors with automated portfolios. The current platform charges $25/month plus a 0.20% annual advisory fee on all managed investment products. This covers both free automated Stocks and Automated Bonds portfolios and actively managed strategies (Flagship, Opportunities, Offshore) built by Titan's investment team. Alternatives including venture capital, private real estate, and private credit are available through interval funds from Apollo, Carlyle, and ARK. In August 2023 Titan was fined $1 million by the SEC for advertising misleading hypothetical performance metrics.