Top 10 Robo-Advisors for Smart and Automated Investing in 2026

The Wealthfront app combines the strength of technology with individualized financial advice to help you achieve your financial objectives and secure a better future. The AI finance app Wealthfront provides a network of knowledgeable financial experts who can offer advice specifically tailored to your requirements.

The platform provides a full range of financial planning tools, from college savings and retirement planning to tax-efficient techniques, all intended to put you on the road to financial security. Additionally, it optimizes your portfolio for growth and risk management using a data-driven approach.

If you are exploring the app, you don’t need to disclose personal information, like your Social Security number. Also, you will get well-managed investment portfolios that align with their objectives and risk appetite. There are customizable ETFs available. The app offers A high-yield cash account, stock trading, and borrowing.

There isn't a defined monthly cost for Wealthfront. Based on the value of your automated investment assets, a monthly 0.25% fee for automated accounts is assessed.

Betterment is an AI-powered financial app that offers you the best way to save and manage your money. It provides you with a platform to earn high interest on your savings and offers effective automated investing solutions.

It is one of the best AI finance applications that provides all users with a comprehensive financial planning solution. The app can cater to the needs of both new investors and high-net-worth clients.

You can choose your portfolio from some of the best options available, including- Core, Goldman Sachs SmartBeta, and BlackRock Target Income. The app streamlines your financial planning by allowing you to create multiple goals and monitor average and worst-case scenario returns.

Vanguard Personal Advisor Services is the best asset management tool that offers unlimited access to financial advisors. The app employs Vanguards’ strong fund line-up with technology to design customized wealth management plans for users.

It is an ideal solution for getting access to financial advisors at lower costs. The app is also suitable for assisting in comprehensive financial planning and in regulating large account balances.

This app is mostly preferred by users who are getting close to their retirement. It offers a personal touch similar to traditional financial advisors at the price of a robo-advisor. Vanguard is suitable for both portfolio management and advisor access.

It is build for investors with a higher account balance who are seeking financial advice at low advisory costs. The main goal is to offer personalized financial management at a lower consumer cost.

Fidelity Investments functions as the largest brokerage firm in the United States. This app is best suited for investors who are looking for an online, low-cost broker. It is one of the most trusted AI banking apps that offers banking and financial services to over 40 million users.

Fidelity does not charge any fee on stocks and ETF trades and thus holds a strong position in the market. The customers are also accessible to multiple currencies, options, mutual funds, etc. You can also access many fixed-income products like municipal bonds, treasury corporate, etc.

It is a mutual fund giant which is regarded as the market leader in defining personalized investment strategies for its clients. Beyond a wide spectrum of products, Fidelity offers a comprehensive suite of tools and investable assets for users.

Schwab Mobile is an all-in-one AI financial mobile app that lets you monitor and trade in the market. You can also research investments and can follow the latest updates and current happenings of the market through the app.

The app takes on the full-service approach and offers a wide range of products and services that are suitable for investors at any level. It offers multiple platforms that are tailored to its wide consumer base. As a Schwab Mobile app user, you can get access to educational resources, responsive customer support, and highly accurate research tools.

It is one of the most advanced online financial apps that assigns a robo-advisor as your personal digital investment manager. With this, you get the best AI research tools that can help you ace the financial market.

Sofi is a top-notch fintech app that provides mobile banking and stock investment services. In this app, you can track and manage all your bank accounts, loan accounts, and stock trading accounts.

The SoFi app offers some of the most profitable financial services in the segment. Using checking and savings accounts of the SoFi app, you can earn up to 4.50% APY (Annual Percentage Yield). Additionally, using direct deposits on SoFi, you can get paid up to 2-days earlier.

This app also offers FDIC insurance of up to $2 million on deposits made by users. Additionally, you can also use over 55,000 fee-free ATMs to access your money in cash.

Ellevest is an exceptional robo-advisor app that is managed by women and marketed to women. It can be used by users of all genders, but it primarily focuses on achieving what women want from a money management service. It is suitable for new investors who are targeted towards a holistic approach to their investments.

It is the best robo-advisor for beginners who are just starting their investment journey or by people who are looking to save for a specific goal or for their retirement. The customers are presented with a customized investment plan based on their investment preferences, financial goals, and risk tolerance.

Ellevest provides individual taxable brokerage accounts that include, Roth IRAs, traditional IRAs, SEP IRAs, and rollover IRAs. Along with investment plans, the app also offer 1 on 1 coaching sessions with financial planners and coaches.

Apart from the paid sessions, you can also opt for free educational sources like online workshops, video lectures, email courses, etc. It is one of the very few robo-advisors that charges a flat monthly fee, irrespective of you account balance.

M1 Finance is a great stock tracker app that simplifies investing. With just a few taps and swipes, M1 Finance makes it easy to set up an automated portfolio that fits your risk tolerance level.

At first glance, you'll notice the Pie concept, which visually represents how your portfolio is allocated, making it easier for those who don’t want to invest in individual stocks. M1 Finance allows you to tweak and adjust your portfolio with minimal effort and without incurring commission fees for every trade.

The app is an excellent stock tracker app for those looking to enter into self-investing. It offers all the necessary features (and more) in an intuitive package – all while being free of charge! Trading once a day may be perceived as restrictive, but considering that no commission fees are applied per trade makes it worthwhile. Overall, M1 Finance is an excellent tool for creating and maintaining balanced portfolios with relative ease - worth trying!

Ally Invest Managed Portfolios provides an easy-to-use robo-advisor app for newer investors. It is targeted to help investors who have less complicated finances and offers a minimum investment of $100. This service is best suited for retirement accounts or for customers who prefer a managed account.

It provides you with a diversified portfolio of low-cost traded funds that exist within Ally. With this, you can gain access to multiple services offered by the company, which will let you centralize all the financial planning under one roof.

Like other robo-advisors, Ally Invest Managed Portfolios created a personalized portfolio by gauging your financial interests and preferences through a series of questions. It offers 4 different portfolios that are based on low-cost funds.

The annual fee of managing an Ally account can be waived if you opt to keep a minimum of 30% of your portfolio in cash. If not, you are eligible to pay a fee of 0.30% annually.

E*TRADE is an exceptional mutual fund app for stocks, ETFs, mutual funds, and options without paying any commission fees. The app provides a customized search to help you find the right mutual funds that match your goals and predefined investment strategies.

E*TRADE has eliminated all mutual fund commissions, so you can invest in them without worrying about extra costs. The mobile app lets you manage your investments and access your account anytime. All these features make E*TRADE the best app to buy mutual funds today.