Robo Advisors

Best Robo Advisors for Hands-Off Investing and Wealth Building

Let algorithms build and manage your portfolio — robo advisors automatically invest, rebalance, and optimize your money using Nobel Prize-winning strategies at a fraction of traditional advisor costs.

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01
Ellevest (Best for Women)

Ellevest (Best for Women)

Built specifically for women's financial lives — longer lifespan planning, career break modeling, and salary growth curves based on women's earning patterns create more accurate financial projections for female investors.

Steady·Score +17
02
SoFi Automated Investing

SoFi Automated Investing

No management fee robo advisor with access to certified financial planners, automatic rebalancing, and fractional shares — ideal for existing SoFi members combining banking and investing in one platform.

Steady·Score +15
03
Vanguard Digital Advisor

Vanguard Digital Advisor

The ultimate low-cost investing institution offers a robo advisor using exclusively Vanguard's legendary low-expense funds — ideal for investors who value Vanguard's fund lineup and investor-owned structure.

Steady·Score +11
04
Blooom (Best for 401(k) Optimization)

Blooom (Best for 401(k) Optimization)

Uniquely focused on optimizing existing workplace retirement accounts — Blooom analyzes your 401(k) fund selection and rebalances within your plan's available options, maximizing employer-sponsored account performance.

Steady·Score +9
05
Acorns (Best for Beginners)

Acorns (Best for Beginners)

Micro-investing by rounding up purchases and investing the difference automatically — the most frictionless entry point into investing for young adults and anyone who finds starting to invest psychologically challenging.

Steady·Score +9
06
M1 Finance (Best for Customization)

M1 Finance (Best for Customization)

Unique hybrid allowing investors to create custom 'Pies' of stocks and ETFs managed with automatic rebalancing — M1 bridges the gap between full robo automation and self-directed investing with maximum control.

Steady·Score +8
07
Fidelity Go

Fidelity Go

No advisory fee for accounts under $25,000, uses proprietary Fidelity Flex funds with zero expense ratios, and provides access to financial coaching calls — excellent value in Fidelity's trusted ecosystem.

Steady·Score +7
08
Betterment (Best Overall)

Betterment (Best Overall)

The original robo advisor remains the best — automatic portfolio rebalancing, tax-loss harvesting, goal-based investing buckets, fractional shares, and excellent financial planning tools at a competitive 0.25% annual fee.

Steady·Score +4
09
Stash (Best Educational Robo)

Stash (Best Educational Robo)

Combines automated investing with investment education, fractional shares of individual stocks alongside ETF portfolios, and a Stock-Back debit card earning fractional shares on everyday purchases.

Steady·Score +4
10
Marcus Invest by Goldman Sachs

Marcus Invest by Goldman Sachs

Goldman's consumer robo advisor offering sophisticated factor-based portfolio construction using smart beta ETFs, automatic rebalancing, and the financial credibility of the world's most prestigious investment bank.

Steady·Score +4
11
Wealthfront

Wealthfront

Superior tax-loss harvesting with direct indexing for accounts over $100K, Path financial planning tool, 529 college savings, and a sophisticated risk parity portfolio option distinguishes Wealthfront for serious investors.

Steady·Score +3
12
Schwab Intelligent Portfolios (No Fee)

Schwab Intelligent Portfolios (No Fee)

Charles Schwab's robo advisor charges zero management fee — using Schwab ETFs and maintaining a cash allocation, it's the only major robo advisor completely free though cash drag slightly impacts returns.

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Ellevest (Best for Women)

Currently ranked #1. Where will it be in 7 days?