The 5 Best AI Investing Apps in the USA

Artificial intelligence is transforming the investment landscape by making sophisticated, data-driven portfolio management accessible to a broader audience. In the United States, AI-powered investing apps are utilizing advanced algorithms to optimize asset allocation, reduce costs through tax-loss harvesting, and provide personalized investment insights.

Wealthfront significantly increased in 2024, with revenue increasing 46% to $289 million and its user base growing from 750,000 to 1.1 million. This growth reflects rising demand for AI-driven wealth management and highlights intelligent automation’s impact on investments and personal finance.

Similarly, Betterment reported a revenue of $153 million in 2023, marking a 69 percent year-over-year growth. This rapid expansion underscores the growing appeal of automated and intelligent investing solutions.

In this blog, we explore why AI investing apps are in trend, and we will present the five best AI investing apps in the United States that redefine how investors manage and grow their portfolios.

Why AI In Investing Apps Is In Trend

Artificial intelligence is transforming finance, particularly investing apps. AI platforms leverage machine learning and analytics to enhance decision-making, optimize portfolios, and reduce human error, increasing their popularity among retail and institutional investors.

The reliance on AI in finance is evident in market trends. The global AI in finance market, valued at USD 38.36 billion in 2024, is projected to reach USD 190.33 billion by 2030, growing at a CAGR of 30.6% from 2024 to 2030. This growth is driven by demand for intelligent financial solutions providing real-time insights, personalized strategies, and automated portfolio management.

AI’s capacity to analyze large data sets and adjust to market trends makes AI-powered investing apps essential for today’s investors. They enhance efficiency, reduce risks, and boost returns, solidifying AI-driven investing as a leading trend in finance.

Top 5 Best AI Investing Apps In USA

Here are the five best AI-powered investing apps in the USA, offering smart automation, portfolio optimization, and cost-effective investment solutions.

1. Betterment

Betterment is an original robo-advisor that uses AI to manage diversified ETFs. It simplifies investing through automated portfolio construction, rebalancing, and tax-loss harvesting. Catering to beginners and experienced investors, its user-friendly interface supports advanced goal-based planning. Recently, it expanded by acquiring Ellevest’s automated investing accounts and assets, enhancing its financial services and market presence.

Features & Benefits

• Automated portfolio rebalancing and tax-loss harvesting for improved tax efficiency
• Personalized goal planning to align investments with retirement, home buying, or other financial goals
• Option to access human advisor support through the Premium service for tailored financial guidance
• Easy-to-use interface that simplifies investing for both beginners and experienced investors
• Low management fees with clear, transparent pricing based on a percentage of assets under management
• Investment strategy focused exclusively on ETFs for broad market diversification

Pros & Cons

Pros:

• Easy-to-navigate interface that simplifies investing
• Comprehensive goal planning and automated rebalancing
• Optional human advisor support for personalized guidance

Cons:

• The Premium service carries a higher fee for those opting for human assistance
• Investment choices are limited to ETFs, which might not satisfy investors looking for direct stock exposure

Pricing & Fees

• Basic digital investing service starts at an annual fee of 0.25 percent
• Premium service with unlimited human advisor access is available at approximately 0.65 percent per year
• No minimum deposit requirement

2. Wealthfront

Wealthfront is a fully automated investment platform that emphasizes tax efficiency and sophisticated portfolio customization. Known for its comprehensive digital financial planning tools, Wealthfront helps investors manage their portfolios with minimal effort by using daily rebalancing and advanced tax-loss harvesting techniques.

Features & Benefits

• Daily automated rebalancing and advanced tax-loss harvesting to minimize tax liabilities
• Comprehensive financial planning tool called Path, which aggregates data from external accounts
• Direct indexing available for larger accounts to optimize tax efficiency and portfolio customization
• Simple and transparent fee structure with a standard annual fee of 0.25 percent
• Customizable portfolios designed for both taxable and tax-deferred accounts
• Focus on maximizing tax efficiency and holistic financial health through innovative technology.

Pros & Cons

Pros:

• Advanced tax management features and daily rebalancing
• Robust financial planning tool that offers a holistic view of finances
• Straightforward fee structure with a single annual management fee

Cons:

• Requires a minimum investment of 500 dollars, which might limit entry for new investors
• The fully digital experience does not include human advisor support for those who prefer personalized interaction

Pricing & Fees

• Standard annual management fee is 0.25 percent of assets under management
• A minimum deposit of 500 dollars is required
• Investors also incur the underlying expense ratios of the ETFs

3. Acorns

Acorns is designed specifically for beginners who want to start investing with small amounts of money. The app focuses on micro-investing by automatically rounding up everyday purchases and investing the spare change into a diversified portfolio of ETFs. This approach helps users gradually build wealth without the need for large initial investments.

Features & Benefits

• Micro-investing approach that automatically rounds up everyday purchases and invests the spare change
• Automatic portfolio rebalancing to keep investments aligned with user-defined goals
• Personalized investment recommendations based on individual spending habits and financial behavior
• User-friendly interface that makes investing accessible to beginners with limited funds
• Encourages consistent saving habits by integrating seamlessly with everyday transactions
• Low barrier to entry with minimal initial investment requirements

Pros & Cons

Pros:

• Ideal for beginners and those with limited funds
• Simple, automated process that encourages consistent saving
• User-friendly design that integrates seamlessly with everyday banking

Cons:

• Limited investment options compared to full-service robo-advisors
• The monthly fee may seem high relative to the small account balances typically managed

Pricing & Fees

• Membership fees vary based on the plan chosen; for example, Acorns Family costs roughly $5 per month.
• There are no commission fees for trades

4. Robinhood

Robinhood is a commission-free trading platform that has revolutionized investing by making it accessible and straightforward. Although its primary focus is on trading stocks, ETFs, options, and cryptocurrencies, Robinhood integrates AI-driven insights to help users make informed decisions and manage their investments more effectively.

Features & Benefits

• Commission-free trading across stocks, ETFs, options, and cryptocurrencies
• Real-time market data and an intuitive mobile-first interface designed for ease of use
• Fractional share investing allows users to invest in high-priced stocks with smaller amounts
• Simplified trading experience suitable for both novice investors and experienced traders
• Minimal fees overall, ensuring cost-effective access to various asset classes
• Direct control over investment decisions with a streamlined, self-directed platform

Pros & Cons

Pros:

• Commission-free trading across a wide range of asset classes
• Simple and intuitive interface that lowers the barrier to entry
• Fractional share investing enables diversified exposure with limited funds

Cons:

• Primarily focused on trading rather than long-term automated investing
• Limited advanced research and planning tools compared to dedicated robo-advisors
• Customer support has received mixed reviews, which may impact user experience during high volatility

Pricing & Fees

• The automated investing service charges an annual fee of approximately 0.25% of assets under management
• Self-directed trading is offered with commission-free trades
• A low minimum investment of 50 dollars is required

5. SoFi Invest

SoFi Invest is part of a broader suite of financial services offered by SoFi, providing a blend of automated investing and active trading capabilities. It is designed to serve a wide range of investors by offering both a robo-advisor service and a self-directed trading platform, all integrated within one digital ecosystem.

Features & Benefits

• Versatile platform offering both automated investing and self-directed trading options
• Access to diversified ETF portfolios as well as individual stock and cryptocurrency trading
• Fractional share investing enables broader diversification even with limited funds
• Integration with other SoFi financial products, creating a comprehensive digital financial ecosystem
• Low minimum investment of 50 dollars, making the platform accessible to a wide range of investors
• Alternative investment options, including socially responsible portfolios, for a tailored approach

Pros & Cons

Pros:

• Versatile platform that caters to both automated investing and active trading
• Low minimum investment of 50 dollars makes it accessible to a wide audience
• Integration with a broader suite of financial services enhances convenience

Cons:

• May not offer as advanced tax-loss harvesting or personalized financial planning features as specialized robo-advisors
• The range of investment options can be overwhelming for beginners who prefer a more guided approach

Pricing & Fees

• Trades in stocks, ETFs, and options are commission-free
• No annual management fees are charged
• Additional fees may apply for margin trading and cryptocurrency transactions.

Future of AI In Investing Apps

AI is set to revolutionize the investing landscape by enhancing automation, predictive analytics, and personalized financial strategies. Here are some key trends shaping its future:

1. Increased Automation

AI will continue automating trade execution, portfolio management, and financial analysis. This will allow investors to make data-driven decisions with minimal manual intervention, optimizing their investments in real time.

2. Enhanced Predictive Capabilities

Future AI models will improve predictive analytics, helping investors anticipate market movements and emerging trends. With the integration of diverse data sources, machine learning will offer more accurate and timely investment insights.

3. Integration of ESG Factors

As sustainable investing gains traction, AI will help investors evaluate environmental, social, and governance (ESG) factors. AI-driven analysis will allow for better identification of sustainable investment opportunities and risk assessment.

4. Personalized Investment Experiences

AI will enhance personalization in investing apps, offering tailored recommendations based on an individual’s financial goals, risk appetite, and spending habits. This could extend beyond portfolio management to include financial planning and literacy.

5. Advanced Risk Management

AI-powered risk assessment models will enable real-time monitoring and dynamic portfolio adjustments. Investors will be better equipped to mitigate risks associated with market volatility and geopolitical events.

6. Better Fraud Detection

AI will play a crucial role in identifying fraudulent activities and ensuring compliance with financial regulations. Machine learning algorithms will detect anomalies in trading patterns, enhancing market security and integrity.

7. Collaboration Between Humans and AI

Rather than replacing human decision-making, AI will work alongside financial professionals to provide deeper insights and smarter investment strategies. Advisors will leverage AI tools to deliver more value to clients.

8. Continuous Learning and Adaptation

AI models will continuously evolve by adapting to new market trends and data inputs. This ability to learn and refine strategies over time will enhance the effectiveness of AI-driven investing.

9. Greater Accessibility

AI-driven investing will become more accessible, enabling a wider population to use sophisticated investment strategies. As costs decrease and technology improves, more individuals will gain access to advanced financial tools.

10. Regulatory Developments

With AI’s growing role in investing, regulators will establish frameworks to ensure ethical AI usage, data privacy, and compliance. This will help prevent AI-driven market manipulation and maintain investor trust.

Conclusion

AI-powered investing apps revolutionize wealth management. With automation, data insights, and personalized strategies, they enhance investment efficiency and accessibility. The top five in the USA are Betterment, Wealthfront, Acorns, Robinhood, and SoFi Invest, each offering unique features for different investment goals. By leveraging AI for portfolio management and market analysis, these apps empower investors to make smarter decisions.

AI is rapidly integrating into finance, boosting growth in investing apps. Now is the ideal time for businesspeople to explore opportunities in this field. By utilizing AI innovations in investment management, they can maximize benefits and stay competitive in the evolving financial landscape.

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FAQs

Q.1. What is an AI investing app?

An AI investing app leverages artificial intelligence to analyze market trends, predict opportunities, and automate trading. Using machine learning algorithms, it assesses vast financial data to help investors make informed decisions. By eliminating emotional biases and learning from market patterns, AI investing apps enable beginners and experienced investors to optimize their portfolios efficiently.

Q.2. How do AI investing apps work?

AI investing apps process large amounts of financial data using advanced algorithms to analyze market trends and economic indicators. Some automate trading with predefined strategies, while others offer real-time recommendations. These platforms leverage machine learning to enhance accuracy in investment decisions over time.

Q.3. What are the benefits of using AI investing apps?

AI investing apps provide predictive accuracy, risk management, and accessibility for all investors. They minimize emotional decision-making for data-driven strategies and automate portfolio management, saving users time. By leveraging AI, investors make informed decisions, optimize returns, and stay competitive in the financial market.