Acorns is an automated investing and personal finance app for everyday Americans that rounds up your spare change from purchases and invests it in diversified ETF portfolios, plus offers retirement IRAs, checking accounts, kids investing, and bonus cashback on partner brands. Marketed as a micro-investing app for spare change, Acorns combines automatic round-ups, recurring investments, Smart Deposit paycheck splitting, retirement IRAs with automatic match on Acorns Premium, kids investing accounts under Acorns Early, a checking account with debit card, an Earn cashback program with 350-plus partner brands, and educational content under Acorns Learn. Acorns is a strong fit for first-time investors building portfolios with spare change, parents opening custodial accounts for kids, and workers automating retirement contributions through round-ups.