Acorns is a micro-investing app that offers automated investing accounts, retirement accounts, investment accounts for kids, and checking accounts. On the investment side, the company mainly invests your money in ETFs, and it offers five portfolios with risk tolerances ranging from conservative to aggressive. The robo-advisor offers two different investment plans: Acorns Personal and Acorns Family. Plus, both plans offer retirement savings options through Acorns Later. Acorns Spend grants you access to a checking account and debit card, and Acorns Early lets you invest for your kids.