Best Apps for Micro Investing in 2025: A Complete Guide

Micro-investing has become an increasingly popular way for new investors to start building wealth, even with small amounts of money. With the rise of accessible platforms, it’s never been easier to get started. In this guide, we’ll explore the best apps for micro investing in 2025, their features, and how to choose the right one for your investment journey.

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What Is Micro-Investing?

Micro-investing allows individuals to invest small amounts of money, often as little as spare change, into various assets like stocks or ETFs. This is made possible by apps that round up purchases and automatically invest the difference. These apps make it easy for beginners to get started without requiring a large initial investment.

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What Are the Benefits of Micro-Investing?

Micro-investing is an accessible way to start investing, especially for beginners. The benefits include:

• Low Initial Investment: You can start investing with just a few dollars.
• Automation: Many apps automatically invest your spare change, making the process easy and hands-off.
• Educational Resources: Some apps offer educational tools to help beginners learn about investing as they go.
• Fractional Shares: You can invest in expensive stocks by purchasing fractional shares.

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Is Micro-Investing Right for You?

Micro-investing can be an excellent choice if:

• You are a beginner who wants to start investing but doesn’t know where to begin.
• You want to invest with minimal amounts of money and let automation handle the rest.
• You prefer hands-off, passive investing methods that don’t require active management.

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Top Micro-Investing Apps in 2025

Let’s dive into the best apps for micro investing in 2025, each of which brings unique features to the table.

1. Acorns

Acorns is one of the best investing apps for beginners, offering automated round-ups that invest your spare change. It’s ideal for users looking for a simple, automated approach to investing.

• Features: Round-ups, diversified portfolios, retirement savings options.
• Pricing: $3, $6, or $12 per month, depending on the plan.
• Best For: New investors looking for simplicity and automatic investments.

2. Robinhood

While Robinhood isn’t strictly a micro-investing app, it is often included in micro-investing comparisons due to its low barrier to entry and ability to invest in fractional shares.

• Features: Commission-free trading, fractional shares, crypto access.
• Pricing: Free standard account; $5 per month for Robinhood Gold.
• Best For: Users who want more control over their investments and access to a wide range of assets.

3. M1 Finance

M1 Finance allows for customized portfolios and automated rebalancing. This app is great for users who want more control over their investment strategy while still benefiting from automation.

• Features: Custom portfolios, automated rebalancing, fractional shares.
• Pricing: Free.
• Best For: More advanced investors who want a hands-off approach but with customizable options.

4. Stash

Stash makes it easy for beginners to start investing by offering fractional shares and educational resources. It’s often compared to Acorns vs Stash when discussing micro-investing apps.

• Features: Fractional shares, educational resources, banking features.
• Pricing: Varies; offers both a $1/month plan and higher-tier plans with additional features.
• Best For: Beginners who want a guided investment experience and personalized advice.

5. Greenlight

Greenlight is focused on teaching kids and teenagers about investing, making it one of the best micro-investing apps for families. It provides a safe environment for younger users to learn the basics of investing.

• Features: Investment accounts for minors, parental controls, and budgeting tools.
• Pricing: $9.98–$14.98 per month.
• Best For: Families and parents looking to teach kids about saving and investing.

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Micro-Investing App Comparison: Features, Pricing & Use Cases

App	Features	Pricing	Best For
Acorns	Round-ups, diversified portfolios	$3-$12/month	Beginners seeking automation
Robinhood	Commission-free trading, crypto	Free/$5/month for Robinhood Gold	Active investors, fractional shares
M1 Finance	Custom portfolios, rebalancing	Free	Intermediate investors wanting more control
Stash	Fractional shares, educational resources	$1-$9/month	Beginners who need guidance
Greenlight	Investment accounts for minors	$9.98–$14.98/month	Families teaching kids about investing

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How to Choose the Best Micro-Investing App

Choosing the right micro-investing app depends on your investment goals, budget, and how involved you want to be in the process. Here are some key factors to consider:

Your Investment Goals

Are you saving for retirement, building wealth, or teaching your kids about investing? Different apps cater to different needs.

Pricing

Compare the pricing plans of each app to find one that fits your budget.

Automation vs. Customization

Some apps offer full automation, while others allow for more control over your investment choices. Choose one that aligns with how hands-on you want to be.

Educational Tools

If you’re new to investing, an app with educational resources like Stash or Acorns might be ideal.

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FAQs About Micro-Investing

1. What is the best micro-investing app for beginners in 2025?

Acorns is considered one of the best apps for micro investing in 2025, thanks to its easy-to-use features like automated round-ups and diversified portfolios. It’s perfect for beginners looking to start investing with minimal effort. (financebuzz.com)

2. Can I invest small amounts of money with micro-investing apps?

Yes, micro-investing apps like Acorns and Stash allow you to invest small amounts of money, even as little as spare change, by rounding up purchases and investing the difference. (wealthbytes.co)

3. How do micro-investing apps like Acorns and Stash work?

Micro-investing apps automatically invest small amounts of money by rounding up everyday purchases. This means that your spare change gets invested in diversified portfolios or fractional shares, helping you build wealth over time without needing to actively manage your investments. (financebuzz.com)

4. What are the best apps for automated investing in 2025?

Acorns and M1 Finance are two of the best apps for automated investing in 2025, offering features like automatic rebalancing and recurring investments, making it easy for users to set and forget their investments. (wellkeptwallet.com)

5. Can I invest in fractional shares with micro-investing apps?

Yes, platforms like Robinhood and M1 Finance allow users to buy fractional shares, enabling them to invest in expensive stocks with smaller amounts of money. (financebuzz.com)

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Conclusion: Start Your Micro-Investing Journey Today

Micro-investing apps are an excellent way for beginners to start investing in 2025. Whether you choose Acorns for automation, Robinhood for flexibility, or Stash for educational resources, there’s an app for every investor. Start small, and you’ll be on your way to building wealth in no time

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