Micro-investing apps have their pros and cons. The benefit of these round-up investment apps is that you can get started and continue investing regularly. The disadvantage is that if you only invest your spare change and do not set up a larger automated deposit into the app, it will take you a long time to build a substantial account balance.  For example, assume that monthly, you invest $50 in spare change into your investment account, which earns an average 7% per year. After 10 years, that account will be worth $8,704. Now add in a $350 monthly auto deposit in addition to the $50 spare change investment and you’re investing $400 per month. With an average 7% annual return, your account will grow to roughly $69,637 in 10 years.