In today’s digital age, building wealth no longer requires a hefty starting capital or a Wall Street connection.
Thanks to a growing number of investment apps for beginners can now start saving, investing, and growing their wealth with just a few taps on their smartphones.
Whether you’re aiming to invest spare change, set up recurring contributions, or learn stock market basics, the right app can make your financial journey simple, engaging, and effective.
Top 7 Investment Apps for Beginners to Start Building Wealth
1. Robinhood
Best For: Commission-Free Stock and ETF Trading
Robinhood revolutionised the investing world by making zero-commission trading the norm.
With an easy-to-use interface, real-time market data, and fractional share investing, Robinhood is perfect for beginners wanting to buy stocks, ETFs, and even cryptocurrencies without high fees.
Features:
- Commission-free trades
- Fractional shares starting at $1
- Crypto investing available
- Educational content for new investors
📱 Ready to Start Investing Commission-Free?
Join Robinhood and start building your stock portfolio today — with no trading fees and a sleek, easy-to-use mobile experience.
2. Acorns
Best For: Micro-Investing and Automatic Saving
Acorns is one of the most practical investment apps for beginners, making it easy to start with zero stress. By automatically rounding up your everyday purchases and investing the spare change, it helps you build a growing portfolio without needing a large initial deposit. It’s a smart, hands-off way for new investors to begin their wealth-building journey.
Features:
- Round-up investments
- Automated portfolios
- Retirement and checking account options
- Financial wellness tips
💡 Make Your Money Work While You Sleep
Start investing effortlessly with Acorns — the app that rounds up your everyday purchases and grows your wealth automatically.
3. Stash
Best For: Beginner Investors Who Want Guidance
Stash blends banking and investing into one app.
It provides a simple interface, curated investment options, and educational resources to help new investors make smart choices based on their financial goals.
Features:
- Invest with as little as $5
- Personal advice and financial coaching
- Themed investments (tech, green energy, etc.)
- Debit card with rewards
4. Public.com
Best For: Social Investing and Community Learning
Public.com is ideal for beginners who want to learn from a community.
You can follow other investors, view their insights, and build your portfolio accordingly—all while investing in fractional shares of stocks and ETFs.
Features:
- Commission-free investing
- Social feed to learn from other investors
- Fractional shares available
- No payment for order flow (more transparent)
📱 Start Investing Confidently with Public.com
Public.com lets you invest in stocks, ETFs, and more with zero commission fees — all in a transparent, beginner-friendly platform. Learn as you grow with a supportive community.
*No hidden fees. Commission-free trading. Simple tools for smart investing.
5. Fidelity Spire®
Best For: Goal-Based Investing
Fidelity Spire is specifically designed to help beginners set financial goals and invest toward them.
It offers a straightforward platform with no account minimums and strong integration with Fidelity’s wide range of funds and services.
Features:
- Goal-based tracking
- Access to Fidelity mutual funds and ETFs
- No fees on most accounts
- Educational resources built-in
📱 Track Your Goals with Fidelity Spire®
Fidelity Spire® is a free app that helps you plan, save, and invest for what matters most. Set goals, monitor progress, and grow your money—all in one powerful platform.
*No account minimums. No fees to download. Just smart financial planning at your fingertips.
6. Betterment
Best For: Hands-Off Investing (Robo-Advisory)
If you want to invest without actively managing your portfolio, Betterment is one of the best options.
As a robo-advisor, it builds and manages a diversified portfolio based on your risk profile automatically.
Features:
- Automated, diversified portfolios
- Tax-loss harvesting
- Retirement planning tools
- Human advisor access available (for an extra fee)
🤖 Let Betterment Invest for You
Betterment automatically builds and manages a diversified portfolio tailored to your goals — whether you’re saving for retirement or just starting out.
7. M1 Finance
Best For: Customizable Automated Portfolios
M1 Finance combines automation with control.
When it comes to investment apps for beginners, M1 Finance stands out by blending automation with personalised control. Unlike traditional robo-advisors, M1 allows new investors to create customised “Pies”—visual portfolios made up of selected stocks and ETFs. Users can automate contributions based on their preferences, making it a user-friendly platform that empowers beginners to actively shape their investment strategy while benefiting from hands-free portfolio management.
Features:
- No trading fees
- Fractional shares
- Customisable portfolios
- Borrowing and checking account options
💼 Automate Your Wealth Building with M1 Finance
M1 Finance combines powerful automation with custom investing. Create your own investment “pies,” set it, and let your money grow with zero management fees.
*Commission-free investing. Fully customizable portfolios. Smart automation.
How to Choose the Right Investment Apps for Beginners
| Factor | Why It Matters |
|---|---|
| Ease of Use | Beginners need intuitive platforms. |
| Fees and Costs | Lower fees mean higher net returns over time. |
| Investment Options | Stocks, ETFs, bonds, crypto, etc. |
| Educational Resources | Helps beginners learn and grow confidently. |
| Automation Features | Useful for building wealth passively. |
Want to learn more before choosing? Check out our Beginner’s Guide to Investing and Index Funds vs ETFs to compare your options.
The best investment apps for beginners in 2025 combine simplicity, affordability, automation, and education to help you start small, stay consistent, and grow your wealth over time.
Choose an app that fits your needs, start investing—even if it’s just a few dollars—and watch as your financial future begins to take shape.
The best time to plant the seeds of wealth is today. 🌱
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