Have you ever wondered how some people seem to grow their money without much effort? The secret might be in their pocket – literally. Investment apps are changing how people save and grow their money, making investing easier than ever before.
Today, many people are making good profits by trading stocks, mutual funds, cryptocurrencies, and even NFTs through their phones. What’s even better is that you can increase these profits by using some of the best investment apps available today.
These apps, often called “robo-advisors,” guide you toward smart investment choices. Most of them charge very small fees, which helps you keep more of your profits. But with so many options out there, how do you know which one is right for you?
In this article, we’ll explore the world of investment apps to find the best options for different types of investors. Before we dive in, let’s cover some basic information about investing that everyone should know.
How Much Money Should You Invest Each Year?
The simple answer is: there’s no single rule that works for everyone. Financial experts suggest starting early and often, even with small amounts.
When you begin investing small amounts regularly, you develop good money habits. A good approach is to calculate how much money you need for your monthly expenses and then invest what’s left over. This creates a balanced investment plan.
As your income grows, you can adjust how much you invest. The key is to increase your overall monthly income, either by creating multiple ways to earn money or by finding passive income opportunities.
Remember, more income usually leads to more savings, which means more money to invest!
How To Use An Investment App For More Profit
Even though many investment apps can help you make money, you need to use them correctly to maximize your profits. If you’re new to investing, here’s a simple 5-step process to get started:
- Download and set up your account: Choose an investment app that fits your needs and create an account.
- Connect your finances: Link your bank account, debit card, or credit card to create a pool of money for investing.
- Research investment options: Look into different stocks, ETFs, bonds, or other investments that match your goals.
- Track your investments: Check how your investments are performing on a daily basis.
- Adjust your strategy: Reinvest and recalibrate your investments to build a profitable portfolio.
It’s important to choose apps that other people trust. You should also look for apps with lower fees to keep more of your profits.
Can You Use Investment Apps For Stock Trading?
Yes! Many investment apps now support stock trading. Several apps even offer the ability to trade thousands of stocks without paying commission fees.
Modern investment apps support a wide range of investment types to meet the needs of today’s investors. These apps don’t just let you trade ETFs, stocks, bonds, and other traditional investments – many now support cryptocurrencies and NFTs too.
Keep in mind that different apps charge different fees for their services. It’s worth comparing a few options to find the best rates for your needs.
25 Best Investment Apps To Try
There are hundreds of investment apps available, but not all of them are trustworthy or user-friendly. We’ve tested many options to bring you the best investment apps for 2025.
1. Betterment
Betterment is one of the best investment apps for beginners, especially popular with younger investors. What makes it special is how it matches stocks and ETFs to your personal risk comfort level.
The app offers complete cash management options, allowing you to trade or hold funds as you prefer. Their fees are much lower than traditional investment services, charging just 0.25% for transactions up to $10,000. For larger amounts, the fee increases to about 0.4%.
Currently, Betterment doesn’t require any minimum account balance. However, if you want their premium asset management service, you’ll need to maintain at least $100,000 in your portfolio.
2. Acorns
Acorns is not only budget-friendly but also one of the best apps for beginners in 2025. For just $3 per month, you get three valuable services:
- An investment account to track all your investments
- A retirement account (either Roth, SEP, or traditional IRA)
- A metal debit card for easy access to your money
They also offer a family account option for $5 per month, which allows multiple users. Another advantage is that there’s no minimum balance requirement for any account.
3. J.P. Morgan
J.P. Morgan is one of the most trusted names in American investing. Their recently updated app takes investing to the next level. After downloading the app, you take a short quiz, and their AI system adjusts your risk profile based on your answers.
The app’s built-in portfolio builder helps you manage all your stocks and ETFs in one place. For most trades, you won’t pay any commission fees, except for options trading which costs about $0.65 per option.
To get started, you’ll need to deposit at least $500 initially and maintain a minimum balance of $250.
4. E-Trade
As the name suggests, E-Trade is one of the best stock investment apps you can rely on. You can open almost any type of account, from individual to joint, from IRA to custodial brokerage. And you can invest in virtually any financial instrument.
Beyond traditional stocks, E-Trade offers commission-free investment options in more than 4,500 mutual funds. If you specify your risk tolerance and investment timeframe, their AI engine will guide you toward suitable investments.
There’s no minimum balance requirement for a basic account, though you’ll need at least $500 for their core portfolio option. Currently, E-Trade charges 0% commission on stock trading.
5. Stash
With more than 3,000 stocks available, Stash provides excellent investment opportunities for modern investors. The app also offers various ETFs and funds managed by professional asset managers.
Stash lets you invest in major companies like Tesla and Amazon, along with many other investment options based on your risk profile and investment capacity.
You’ll need to maintain a minimum balance of $5. The fees are reasonable, with the basic plan costing just $1 and the pro option up to $9.
6. TastyWorks
Despite its unusual name, TastyWorks has proven itself as one of the best free investment apps to try this year. There’s no minimum account requirement, and they don’t charge commission on most stocks.
For closed trades, the commission is 0%, though you’ll pay $1 per option for open option trading. The app is designed to be user-friendly and will automatically suggest good stocks based on your risk profile.
TastyWorks also includes a resource section where you can analyze and adjust your existing investments to better match your goals.
7. Stockpile
If you want to focus solely on stocks, Stockpile is one of the best platforms to try. Stocks can generate significant income if you invest wisely, but high-priced stocks like Tesla or Amazon can be too expensive for many people.
Stockpile solves this problem by allowing you to buy fractional shares – meaning you can purchase just a portion of a stock. Even better, they don’t charge any trading fees!
You can also buy gift cards through Stockpile for friends who are interested in investing. These gift cards can be redeemed to purchase stocks on the platform.
8. Webull
Webull offers a complete investment solution, from stocks to options, from ETFs to cryptocurrencies. The best part is that all these investment options are commission-free.
The app provides access to fractional shares of expensive stocks and IPOs. You can also manage all three types of IRA accounts directly through the app. For more detailed analysis, Webull offers a desktop application as well.
While trading is commission-free, you may need to pay a small regulatory transaction fee and a percentage of the transaction fee to maintain your investment account.
9. Robinhood
Robinhood is one of the best personal investment apps that meets a wide range of investment needs. The app is extremely user-friendly and easy to navigate.
You can invest in various financial instruments, from ETFs to cryptocurrencies, based on your preferences. Currently, Robinhood is completely free and doesn’t charge any commission or trading fees for ETFs, options, or cryptocurrencies. There’s also no minimum balance requirement.
10. Ellevest
Ellevest is one of the few socially responsible investment apps available globally. Currently, 53% of their entire portfolio is invested in socially impactful funds.
While there are many investment opportunities available, there are few apps with a dedicated segment for female investors. Ellevest supports investors with relatively lower lifetime income profiles.
A basic account costs just $1, while the advanced option can cost up to $9. For a core portfolio account, you’ll pay around $13.
11. Interactive Brokers
If you’re looking for an investment app with no minimum balance requirement, Interactive Brokers is worth considering. It’s widely regarded as the best active trading app in the USA.
The company offers an excellent web-based desktop application called Traders Workstation (TWS). They also have a mobile app that’s equally well-suited for trading on the go.
Interactive Brokers charges around $0.005 per share if you have a pro account. However, fees can reach up to 1% of your total trade value, depending on your trading volume. If you use their IBKR Lite platform, you won’t pay any trading fees at all.
12. Charles Schwab
Charles Schwab has long been ranked among the best online investment apps for beginners. The platform lets you invest in ETFs, commission-free stocks, and almost any other financial instrument.
It’s also an excellent choice for mutual fund investors, with more than 4,000 transaction-free funds available. While there’s no minimum balance requirement for their trading accounts, you’ll receive an attractive cash bonus if you invest an initial amount of over $25,000.
13. Twine
If you’re planning for long-term goals like retirement or your children’s education, Twine is an excellent platform to consider. It specializes in long-term investment opportunities that offer better returns over time.
Designed by John Hancock, this app allows couples to invest together for their future goals. You can even create a joint account on the platform and set up a checking account for recurring payments.
You only need $5 as your initial investment to create an account. Twine charges around 0.6% of your total trade value each year as their service fee.
14. SoFi
For investors who want to focus entirely on ETFs, SoFi is among the best money investment apps available this year. You can start investing with as little as $1 in any fund you prefer.
SoFi is great for beginners because they automatically recalibrate all your investments at least once every quarter. The pro option offers additional features for professional traders and investors.
You don’t have to pay any commission or trading fees for stocks and mutual fund investments. For cryptocurrencies, SoFi charges up to a 1.25% markup fee as their trading commission.
15. Wealthfront
Wealthfront stands out as one of the best small investment apps. It’s one of the leading independent robo-advisors with a powerful AI system to help make trading predictions.
Based on your risk profile and investment capacity, Wealthfront automatically suggests good stocks to hold. You can also invest in other instruments like IPOs and ETFs, and manage your IRA from the platform.
Currently, Wealthfront charges around 0.25% per year on your annual trading value. You’ll need to maintain a minimum balance of $500.
16. Ally
If you want an all-in-one platform to trade stocks, options, ETFs, and IRAs, Ally could be your ideal choice. The platform features a customizable dashboard to meet all your investment needs.
Beyond traditional stocks, you can also invest in low-priced securities, futures, and mutual funds. Ally offers various commission-free stocks as well.
They currently charge around $0.50 per option and $4.95 + $0.01 per share each year as their service charge. If you invest $10,000, you’ll receive a $100 bonus to offset these charges.
17. M1 Finance
M1 Finance is one of the few legitimate platforms offering commission-free ETFs and stocks. One of its best features is the ability to set up recurring investments directly from your account, automating your investment strategy.
You can link all your bank accounts and cards to find the best interest rates available. M1 Finance automatically analyzes all your accounts and suggests the best options.
Currently, there’s no minimum balance requirement for traditional accounts. However, for IRA accounts, you’ll need to deposit at least $500 initially.
18. Moomoo
Created by Futu Holdings Ltd., Moomoo is available on iOS, Android, and Windows platforms. It also offers a web-based desktop platform for detailed insights into your investments.
The app comes with numerous investment tools suitable for both beginners and professionals. You can even get free level-2 quotes to increase your profit potential.
Moomoo currently offers more than 8,000 different stock options for short selling. It provides instant quotes during market and post-market hours, with no minimum balance requirement.
19. Fidelity Investments
Fidelity Investments provides an integrated experience for all your investment needs. You can open various types of accounts, from savings to stocks, from IRAs to checking accounts.
The app lets you manage and control all your investments on a single dashboard. It also delivers precise trading tips directly within the app so you won’t miss opportunities to make profits.
There’s no minimum balance requirement, and Fidelity offers commission-free stock trading.
20. Fundrise
Did you know that you can now invest in high-end real estate without spending a fortune? Fundrise is an app that allows you to invest in valuable physical assets.
Besides being one of the best real estate investment apps, Fundrise can also be used as a traditional investment app. Through the platform, you can make micro-investments in expensive properties in places like Los Angeles.
You can start investing in real estate with just a $500 initial deposit. Fundrise charges around 0.15% annually as their advisory fee and approximately 0.85% on average for their asset management service.
21. Delta App
A recent product from financial organization eToro, Delta App is available on both iOS and Android platforms. It also has an impressive desktop app that gives you complete control over your investments.
While the basic account is free, you can upgrade to a Pro account that supports simultaneous investment tracking on five devices. From traditional stocks to cryptocurrencies, you can trade almost any investment asset.
Delta App currently offers more than 300 commission-free stocks. You can also invest in more than 7,000 cryptocurrencies with minimal transaction fees. The company currently offers a 1-week free trial of their Pro account.
22. Public.com
Public.com is one of the most trusted investment apps available today. It offers a user-friendly interface and supports a wide range of investment options.
The app provides educational resources for beginners and advanced features for experienced investors. There’s no minimum balance requirement, and many trades are commission-free.
Public.com also has a social component, allowing you to see what other investors are buying and selling, which can help inform your investment decisions.
What To Look For While Choosing an Investment App
Selecting the best investment app that suits your needs and offers good rates isn’t easy. However, you can judge the worthiness and credibility of any investment app by considering these five key factors:
1. Minimum Balance
Always choose apps that require minimal or no minimum balance. This way, you can use your entire investment amount effectively.
2. Fees & Maintenance Charges
While most apps charge annual fees, many also charge for each trade. Select an app that offers lower rates and supports the types of trades you’re interested in at affordable fees.
3. Account Control
Beginners often prefer guided support, while experienced investors typically want complete control over their investments. Choose an app that matches your control preferences.
4. App Experience
Your experience with the app should be positive from the start. An investment app should be easy to use and navigate to provide a good user experience.
5. Other App Features
If you’re new to investing, look for apps with educational resources and timely suggestions for trending investments. For experienced investors, consider apps with add-ons and special trading options.
Before downloading any app, read genuine user reviews on Google Play Store and Apple App Store to understand its credibility and reliability.
Are Investment Apps Safe?
Most modern investment apps offer multiple layers of integrated security. These robust security technologies are designed to keep your valuable information private.
You can usually enable two-factor authentication in any app. Many apps also offer end-to-end encryption to secure your financial transactions.
Nevertheless, it’s important to change your password regularly. Avoid using investment apps on public networks or shared network environments. Using a VPN adds an extra layer of security to your investment activities.
Frequently Asked Questions
Which are the best apps to invest?
Several apps have proven their worth in the investment field. Robinhood and Acorns are among the most popular investment apps you can try. If you prefer established companies, J.P. Morgan is a reliable choice. Newer investors often prefer Betterment and WeBull.
What is the best investment app for beginners?
Robo-advisors are generally the best types of apps for beginners. These apps support complete customization and provide accurate investment suggestions. Most of these apps analyze your investment goals and risk tolerance to recommend suitable investment tools.
What is the best investment app in the UK?
In the United Kingdom, three popular investment apps dominate the market: Interactive Investor, Hargreaves Lansdown, and InvestEngin. Many people also use apps like Stake, Degiro, e-Toro, and others. Moneyfarm and Palm are also gaining popularity in the UK.
What is the best investment app in the USA?
In the USA, Betterment and Acorns are two of the most trusted investment apps. Many people also rely on traditional services like J.P. Morgan, E-Trade, and Stash. Younger investors often prefer apps like TastyWorks, Stockpile, Webull, and Robinhood.
Conclusion
These are the best investment apps you can try for your financial goals in 2025. Remember that not every app is right for everyone. You need to consider fees, investment options, and other factors to select the best option for your needs.
At the same time, focus on increasing your monthly income so you can invest more. The more you invest wisely, the more your money can grow over time.
Start small, learn as you go, and use these powerful apps to help you build wealth for the future. Happy investing!
