Looking to start investing without a huge upfront commitment? The best micro-investing apps with low minimum deposits make it easy to begin with as little as $0–$5. Whether you’re new to investing or just want a simple, automated way to grow your money, these platforms help you build wealth gradually. Below are the top 10 micro-investing apps in 2026, each beginner-friendly, affordable, and designed to help you start small and scale over time.
1. Acorns
Acorns is one of the most popular micro-investing apps thanks to its automatic round-up feature. It invests your spare change from everyday purchases into diversified ETF portfolios. With no large minimum deposit required, you can start investing with just a few dollars. The app offers automated portfolios, retirement accounts, and even checking accounts. Acorns is ideal for beginners who prefer a hands-off investing experience. Its clean interface and educational resources make it easy to stay on track. For anyone seeking low minimum investment apps that automate everything, Acorns remains a top choice.
2. Stash
Stash makes investing approachable by allowing fractional share purchases with no large upfront investment. You can start with as little as $5 and invest in individual stocks or ETFs. What sets Stash apart is its educational focus; it explains investments in simple terms, perfect for beginners. Users can build custom portfolios while learning the basics of diversification and risk management. Stash also offers banking services and retirement accounts. If you want control over what you invest in but still need a low minimum deposit investing app, Stash provides flexibility and guidance.
3. Robinhood
Robinhood revolutionized commission-free trading and remains a favorite for micro-investors. With no account minimum, users can buy fractional shares of stocks and ETFs starting with just $1. The platform is simple, mobile-first, and ideal for self-directed investors. While it doesn’t offer automated portfolios like some competitors, Robinhood gives you direct access to stocks, ETFs, options, and crypto. For those comfortable choosing their own investments and seeking a low minimum deposit trading app, Robinhood offers accessibility and zero-commission trades.
4. SoFi Invest
SoFi Invest provides both automated investing and active trading with no minimum deposit required. Beginners can choose robo-advisory portfolios, while experienced users can buy fractional shares of stocks and ETFs. SoFi also integrates financial planning tools, student loan refinancing, and banking services within one ecosystem. Its user-friendly design makes it simple to start investing with small amounts. For investors seeking an all-in-one financial app with low minimum investment requirements, SoFi Invest delivers strong value and flexibility.
5. Betterment
Betterment is a leading robo-advisor known for goal-based investing and automated portfolio management. While some plans have minimums, its digital investing plan has no minimum deposit requirement. Betterment builds diversified portfolios using ETFs and automatically rebalances them. It also offers tax-loss harvesting and retirement planning features. This app is ideal for long-term investors who want a hands-off strategy without a large initial investment. If you’re looking for a low minimum deposit robo-advisor focused on steady growth, Betterment is a strong contender.
6. Wealthfront
Wealthfront offers automated investing with sophisticated financial planning tools. While traditionally requiring a $500 minimum, it remains accessible compared to traditional investment firms. Wealthfront provides diversified portfolios, tax-efficient strategies, and automated rebalancing. Its financial dashboard helps users track goals like buying a home or saving for retirement. For beginners willing to invest a small starting amount, Wealthfront combines low entry barriers with advanced automation tools. It’s an excellent option for those seeking a technology-driven micro-investing platform.
7. Public
Public blends investing with social networking. With no account minimum and fractional shares starting at $1, it’s highly accessible for micro-investors. Users can follow other investors, see portfolios, and discuss strategies within the app. Public offers stocks, ETFs, crypto, and alternative assets. Its community-driven model makes investing more engaging and transparent. If you’re looking for a low minimum deposit investing app that adds a social twist, Public makes learning and investing feel collaborative rather than intimidating.
8. M1 Finance
M1 Finance combines automation with customization. There’s no minimum deposit to open an account, though certain investment thresholds apply for taxable accounts. Users create “Pies,” which are customized portfolios of stocks and ETFs. The platform automatically rebalances investments based on your chosen allocations. M1 Finance is ideal for investors who want control without constant manual management. If you’re searching for micro-investing apps with low minimum deposits that still allow strategic portfolio building, M1 Finance strikes a strong balance.
9. Fidelity Investments
Fidelity offers zero minimum investment requirements for many brokerage accounts and fractional share investing through its “Stocks by the Slice” feature. Investors can start with as little as $1. Fidelity stands out for its research tools, retirement accounts, and long-standing reputation. While it may feel more traditional than newer fintech apps, it provides robust educational materials and advanced trading tools. For beginners seeking a trusted brokerage with low minimum deposits and strong support, Fidelity remains an excellent option.
10. Charles Schwab
Charles Schwab allows investors to start with no account minimum and purchase fractional shares through Schwab Stock Slices. Its robo-advisor option, Schwab Intelligent Portfolios, requires a higher minimum but offers automated management. Schwab combines low fees with extensive research tools and customer support. It’s a strong choice for beginners who want the security of a well-established brokerage while still benefiting from low minimum deposit investing. If credibility and long-term reliability matter to you, Charles Schwab is worth considering.
Conclusion
The best micro-investing apps with low minimum deposits make investing accessible to everyone. Whether you prefer automated robo-advisors like Betterment and Wealthfront or hands-on trading platforms like Robinhood and Public, there’s an option that fits your style. Starting small is perfectly fine; the key is consistency. Over time, even modest contributions can grow significantly thanks to compound interest. Ready to start investing? Pick the app that aligns with your goals, deposit a small amount, and begin building your financial future today.