As the financial world goes increasingly digital, many investors today are turning to mobile investing as a way to stay connected on the go. These top wealth management apps offer an impressive range of features, from automated investing and portfolio management to personalized financial advice.
Top wealth management apps
Choosing the right wealth management app can make a big difference in how you invest, save and grow your money.
Some of our favorite wealth management apps include:
Range
Range is an all-in-one wealth management platform that offers a flat-fee model rather than percentage-based pricing. This makes it especially appealing for high-net-worth individuals, who often face steep assets-under-management (AUM) fees elsewhere.
Its holistic approach combines investment management, tax planning, estate planning, retirement forecasting, insurance reviews, real estate guidance and equity compensation support — all handled by a team of Certified Financial Planners, tax pros and other specialists under a fiduciary standard. This coordinated setup helps keep every part of your finances aligned and working together.
Range also focuses on clear, actionable planning. Instead of long reports, you get personalized steps prioritized for impact, along with a built-in task tracker. Its dashboard aggregates your accounts in real time for a clear view of income, spending and savings. You can also test “what-if” scenarios — such as buying a second home or retiring early — to see how major decisions could affect your finances.
A few limitations include a full-year fee commitment and no mobile app for easy management on the go. Even so, its transparent pricing and integrated approach make it a strong option for those seeking coordinated, conflict-free financial guidance.
Cost
Range has three plans to choose from, with a minimum semi-annual billing.
Range Plans
| Premium | $2,655/yearly or $1,475/semi-annually |
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| Platinum | $5,355/yearly or $2,975/semi-annually | Everything in Premium, plus:
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| Titanium | $8,955/yearly or $4,975/semi-annually | Everything in Platinum, plus:
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Range Pros and Cons
Pros
- All-in-one wealth management with flat fees
- Holistic advisor team and fiduciary standard
- Powerful cash flow and scenario tools
Cons
- No monthly plan
- No mobile app
- Primarily suited for high-net-worth individuals
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Acorns
Acorns remains a standout among trading apps, boasting a carefully curated collection of notable investors and experts from respected institutions like BlackRock, Greycroft and PayPal. With its investment accounts for children, Acorns is one of the best investment apps for teens, and it also offers retirement accounts for its older investors.
Acorns is all about automation. It features automatic recurring investments, automatic portfolio rebalancing and automatic dividend reinvesting, if you so choose. You can monitor your portfolio’s performance with real-time reporting, while generous educational resources offer how-to guides, manuals and videos.
Upon signing up, Acorns will recommend an investment portfolio tailored to your financial goals. There are nine different portfolios: five Acorns Core portfolios and four Acorns ESG Portfolios, with each based on exchange-traded funds (ETFs). Your investments are then put on autopilot with its Round-Ups program. This program rounds up all purchases on linked debt and credit cards to the next dollar and puts the excess change toward your investments.
You can earn more when you shop from partner brands like Apple, Walmart, Kohl’s, Hotels.com and Hello Fresh. If you refer your friends to the platform, Acorns will reward you for that, too.
Cost
Acorns offers three plans for investors to choose from: Bronze, Silver and Gold.
Acorns Plans
| Bronze | $3 | |
| Silver | $6 |
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| Gold | $12 |
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Acorns Pros and Cons
Pros
- $5 minimum to start investing
- Cashback program
- Up to 50% investment match
Cons
- Monthly subscription required
- No tax-loss harvesting
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Empower
With nearly $100 billion in assets under administration, Empower is equipped to handle several types of users, including personal investors, workplace investors, plan sponsors and financial professionals.
To get started, connect your accounts to the platform, including your investment accounts, retirement plans, cash accounts and credit cards, as well as any mortgages, loans or other debts. Doing so will allow the Empower wealth management platform to provide a comprehensive overview of your finances. You can track growth, adjust allocations and access your financial strategies based on incorporated benchmarks.
Through the Empower Personal Dashboard, users have access to expansive resources, including financial planning tools. It is designed to be an all-in-one resource that combines budgeting, financial planning and retirement planning into a single program.
The Empower wealth management division provides access to several advanced features. Its Smart Weighting feature prioritizes portfolio diversification, while the tax optimization tool uses tax-loss harvesting to minimize tax liabilities. Using careful portfolio rebalancing, Empower adjusts your allocation in response to your evolving needs to ensure your portfolio always suits your financial goals.
Cost
Empower’s signature dashboard and financial tools are free to use, but there are wealth management fees that apply, depending on your account.
Empower Plans
| Primary clients | Up to $1 million | 0.89% |
| Premium clients | Up to $1 million | 0.89% |
| Private clients | Up to $3 million | 0.79% |
| Private clients | Up to $5 million | 0.69% |
| Private clients | Up to $10 million | 0.59% |
| Private clients | $10 million+ | 0.49% |
Empower Pros and Cons
Pros
- Free financial planning and budgeting tools
- Heavy emphasis on tax-efficient financial management
- Dedicated advisors available
Cons
- $100,000 account minimum
- High management fees
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Wealthfront
To get started with the Wealthfront app, simply choose a financial goal, whether it is an automated investing account, S&P 500 Direct, an automated bond portfolio or an automated bond ladder. IRAs, trusts and 529 education savings plans are also available.
With Wealthfront, an automated investing account allows investors to choose from expert-built portfolios, such as the Wealthfront S&P 500 Direct. It uses up to 17 global asset classes to create a customized portfolio tailored to your risk tolerance and long-term goals. With automated tax-loss harvesting, the platform automatically manages reinvesting and rebalancing to ensure your portfolio remains aligned with your goals.
Wealthfront stands out for its concentrated focus on high-level customer support. It utilizes a small team of expert professionals, known as Product Specialists, who are each qualified to serve as financial advisors. They hold active registrations with FINRA, including Series 7 and Series 66 registrations, and their certifications include CFAs (Chartered Financial Analysts), CFPs (Certified Financial Planners) and CPAs (Certified Public Accountants).
Cost
Here’s how Wealthfront’s different plans compare by account type, minimum investment and fees.
Wealthfront Plans
| Automated Investing | $500 | 0.25% |
| S&P 500 Direct | $5,000 | 0.09% |
| Stock Investing Account | $1 | $0 commissions |
| Automated Bond Ladder | $500 | 0.15% |
| Automated Bond Portfolio | $500 | 0.25% |
Wealthfront Pros and Cons
Pros
- Ample account options
- Daily tax loss harvesting
- Competitive management fees
Cons
- Small support team with limited hours
- Higher account minimums
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Betterment
More than a million users have invested over $63 billion on Betterment’s platform.
Betterment maintains a concentrated focus on automated money management, as well as tax-efficient investing that seeks to maximize returns. With automated trading, the Betterment app will also rebalance and reinvest earnings with tax-loss harvesting.
Its expert-crafted portfolios cover a wide range of investing styles as well as signature portfolios from Goldman Sachs and BlackRock. Investment options include all-bond or all-cash portfolios, as well as a crypto ETF option that incorporates both Bitcoin ETFs and Ethereum ETFs.
Users can also choose from several other accounts, including different types of IRAs and a high-yield cash account. There is even an employer-sponsored plan.
Financial experts are available for support as needed, but the Betterment app largely relies upon an automated trading model. However, its internal investing team also lends its support with regular monitoring and analysis.
Cost
Betterment offers tiered monthly pricing based on your account balance.
Betterment Plans
Digital Plan
| $0 – $20,000 | $4 monthly |
| $0 – $1 million | 0.25% annually |
| $1 million – $2 million | 0.15% annually |
| $2 million+ | 0.10% annually |
| $20,000 – $1 million balance OR
$250+ monthly recurring deposit |
0.25% annually |
Premium Plan
| Premium | 0.65% annual management fee
Progressive fee discounts for balances $1 million+ |
Betterment Pros and Cons
Pros
- Generous selection of expert-created portfolios
- No minimum balance requirement
- Straightforward pricing structure
Cons
- Must upgrade to Premium plan for human support
- $100,000 minimum balance for Premium plan
How to choose the right wealth management app
There are several factors to consider when searching for the best wealth management apps.
- Type of advisor. Increasingly, wealth management apps are using robo-advisors to take an algorithm-based approach to investing. However, some wealth management apps still offer access to human advisors. Human advisors may cost extra, but it could be worth it for some investors who prefer a personal touch.
- Comprehensive interface. Review the platform’s interface to ensure it offers a well-organized, customizable dashboard that lays out all your important data in an easy-to-follow format.
- Wealth management tools. Look for useful tools that will help you oversee your portfolio, such as cash flow management, automatic rebalancing and tax-loss harvesting. A goal-setting feature can help you align your investments with your long-term objectives.
- Integrations. Most wealth management apps automatically connect to financial institutions, allowing you to link your bank accounts, credit cards and investment accounts. This eliminates the tedious task of manually adding transactions and holdings.
- Customer support. Check what types of customer support are available. Some services may be available via phone, while others may stick to email or submitting tickets. There may also be limitations on the days or hours that customer support is available.
- Cost. The cost of wealth management apps can vary widely. Some apps charge a percentage, while others charge a flat monthly or annual fee. There are some free wealth management apps, but many of the best features and platforms come at a cost.
AI in wealth management apps
Many top wealth management apps today utilize AI to automate investing through data-backed market predictions and personalized advice tailored to your portfolio and goals. These AI-powered platforms can identify potential investment opportunities, predict future market movements and highlight the need for strategy adjustments.
With this type of predictive wealth management, investors can leverage AI to diversify their portfolio and grow their wealth.
Bottom line
Investors today have a wide range of wealth management apps to choose from, each offering different tools, costs and levels of support. An experienced financial advisor can help you determine the best investment strategy for your portfolio while aligning it with your risk tolerance and long-term goals.
Frequently asked questions
