Investing apps have matured considerably in 2026. What was easy stock-trading instruments at the moment are full investing platforms providing commission-free trades, fractional shares, automated investing, and long-term portfolio instruments — all out of your telephone.
Based mostly on usability, charges, investing choices, and actual investor suggestions, we ranked the greatest investing apps that allow you to make investments at no cost. Whether or not you’re a newbie investing $20 or constructing a long-term portfolio, these are the apps price utilizing in 2026.
Listed here are the most effective investing apps that allow you to make investments at no cost (sure, free). You may additionally take a look at our record on the most effective brokers to take a position.
1. Constancy
Greatest For: Full Service Investing At $0 Commerce Costs
Constancy is considered one of our favourite apps that means that you can make investments at no cost. This surprises most individuals, as a result of most individuals do not affiliate Constancy with “free”. Nonetheless, Constancy affords a variety of commission-free ETFs that might enable nearly all of traders to construct a balanced portfolio. Plus, they now provide $0 fee inventory, possibility, and ETF trades!
The additionally provide fractional share investing, that means you can make investments dollar-based, not simply share-based. This can be a huge win for folks beginning with low greenback quantities.
Constancy IRAs additionally haven’t any minimal to open, and no account upkeep charges. Meaning you possibly can deposit simply $5, and make investments it at no cost. That makes this a significantly better deal in comparison with corporations like Stash Make investments.
Moreover, Constancy simply introduced that it now has two 0.00% expense ratio funds – sure free. So, you cannot solely make investments fee free, however these funds do not cost any administration charges. Really free investing.
However to make it a high app, it has to have an awesome app, and Constancy does. Their app is the cleanest and best to make use of out of all the investing apps we have examined. They’ve a ton of options, however it all works effectively collectively.
Plus, you get the good thing about having a full service investing dealer must you want extra than simply free. Take a look at Constancy’s app and open an account right here.
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Constancy |
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|---|---|
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Minimal Funding |
$0 |
|
Fee |
$0 for shares, ETFs, choices |
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Month-to-month Charges |
$0 |
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Account Kind |
Taxable, IRA, HSA, 401k, Belief |
|
Promotions |
Varies by account kind |
2. Robinhood
Greatest For: 100% Free Inventory Trades & Restricted Crypto
Robinhood is an app allows you to purchase and promote shares at no cost. Customers can purchase or promote shares at market value. The app means that you can make restrict orders and cease loss orders too. Until you’re an lively dealer, that is loads of performance. Plus, the app comes with a clear consumer interface and fundamental analysis instruments.
Most severe traders ought to pair Robinhood with a number of free analysis instruments. This can assist them develop a extra systematic method to investing. That mentioned, you possibly can’t beat Robinhood’s free trades, however its shortcomings right here make it third.
Additionally they enable choices, fractional shares, and cryptocurrency investing, however these are restricted as effectively.
The drawbacks are actually restricted, however one of many largest is that the platform has develop into unreliable in current months with giant outages impacting traders.
Should you’re curious how Robinhood makes cash, it’s by means of Robinhood Gold. Robinhood Gold is a margin account that means that you can purchase and promote after hours. Shopping for on margin means you double your anticipated returns. It additionally means you double your anticipated losses. The consequence (primarily based on the magic of compounding) implies that buying and selling on margin tends to eat into your principal.
Take a look at the opposite choices for buying and selling shares at no cost.
Open a Robinhood account right here and get a free share of inventory >>
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Robinhood |
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|---|---|
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Minimal Funding |
$0 |
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Fee |
$0 for shares, ETFs, choices, crypto |
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Month-to-month Charges |
$0 |
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Account Kind |
Taxable |
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Promotions |
Free share of inventory |
Get a free share of inventory!
3. Schwab
Greatest For: Investing and Banking Mixed
Schwab is likely one of the greatest brokers, and it has been gaining floor considerably over the previous few years, particularly with the acquisition of TD Ameritrade. Plus, it is buying and selling platform thinkorswim is likely one of the highest rated for merchants.
The place Schwab actually shines is it is skill to have each commission-free investing, together with an awesome banking product. The Schwab checking is persistently named a favourite, and you’ll see within the app how they make investing and banking mixed very seamless.
Schwab additionally has each account kind conceivable, they usually have a community of places of work nationwide if you happen to ever do want in-person help. However once more, their investing app is very rated.
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Schwab |
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|---|---|
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Minimal Funding |
$0 |
|
Fee |
$0 for shares, ETFs, choices |
|
Month-to-month Charges |
$0 |
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Account Kind |
Taxable, IRA, HSA, 401k, Belief |
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Promotions |
None |
4. E*TRADE by Morgan Stanley
E*TRADE additionally affords a big collection of fee free ETFs. We are literally huge followers of E*TRADE for our solo 401k account, however they do not make the highest 5 in the case of investing apps and free investing.
They only lately introduced $0 inventory, ETF, and choices trades, however we’ll see how they compete with others on this record.
Whereas they do provide IRAs with no minimums, and cost no transaction charges, we did not discover their app as consumer pleasant as the remainder. Much like their web site, it is only a bit more durable to make use of. Nonetheless, we nonetheless actually like E*TRADE and they’re positively a runner up.
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E*TRADE |
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|---|---|
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Minimal Funding |
$0 |
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Fee |
$0 for Inventory, Choices, ETF trades |
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Month-to-month Charges |
$0 |
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Account Kind |
Conventional, Roth, Solo 401k, and Extra |
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Promotions |
None |
5. Acorns
Acorns is a particularly well-liked investing app, however it’s not free. Acorns expenses anyplace from $3 to $12 monthly, however it does make automating your investments straightforward!
Acorns means that you can spherical up your spare change and make investments it simply in a portfolio that is smart for you. Nonetheless, if you do not have some huge cash invested, that subscription value can eat up your returns.
Plus, you may get an IRA match of 1% to three% relying in your subscription stage.
Learn our full Acorns overview right here.
Bonus Supply: Proper now Acorns is providing a $20 bonus whenever you open a brand new account. Begin investing with as little as $5 >>
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Acorns |
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|---|---|
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Minimal Funding |
$0 |
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Fee |
$0 for shares, ETFs, choices |
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Month-to-month Charges |
$3/mo to $12/mo |
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Account Kind |
Taxable, Conventional, Roth, SEP, UTMA/UGMA |
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Promotions |
$20 Bonus |
Runners Up
There are numerous apps and instruments that come near being within the Prime 5. When the competitors is so good, it is arduous to make the minimize.
Vanguard
Vanguard is persistently often called the low value funding service supplier. They have been one of many unique mutual fund and ETF corporations to decrease charges, they usually frequently advocate a low-fee index fund method to investing.
At Vanguard, you do not pay any commissions whenever you purchase and promote Vanguard ETFs. You additionally pay no account service charges if you happen to signal as much as obtain your account paperwork electronically, or if you happen to’re a Voyager, Voyager Choose, Flagship, or Flagship Choose Providers consumer.
Moreover, Vanguard lately introduced that they will not cost a fee on an enormous quantity of competitor’s funds and ETFs as effectively!
Vanguard additionally does not have an account minimal, and there’s no minimal buy requirement for mutual funds, however shares and ETFs it is the price of 1 share.
What holds Vanguard again is that their app is a bit more clunky that the opposite apps. It feels just a little “old-fashioned”, and it appears to be constructed for the fundamentals solely.
Nonetheless, it’s free, so possibly solely the fundamentals are wanted?
Vanguard Private Advisor
Should you’re on the lookout for skilled assist along with your investments and monetary planning, Vanguard affords Private Advisor that can assist you construct, execute, and proceed to handle your monetary plan. These are fiduciary advisors and can allow you to create a plan primarily based in your objectives (it is not a robotic). It prices 0.30% AUM, which is likely one of the lowest you will discover.
Public
Public is one other free investing platform that has put an enormous give attention to the social facet of investing and schooling. On account of utilizing influencers and schooling, Public has been considerably rising their consciousness.
Public has a strong investing app – you possibly can put money into any asset: from shares, ETFs, crypto, superb artwork, collectibles, and extra – multi function place, together with fractional shares and choices. Additionally they provide desktop help, which is extremely helpful for issues like taking a look at brokerage statements or tax varieties.
Additionally they promote themselves as being one of many few funding brokerage corporations that does not do Cost for Order Circulate.
Learn out full Public overview right here.
M1 Finance
Greatest For: Constructing A Free Portfolio For The Lengthy Time period
M1 has develop into our favourite investing app and platform over the past yr. With fee free investing, the flexibility to put money into fractional shares, automated deposits, and extra, M1 Finance is high notch.
Should you’re on the lookout for a strategy to create and keep a free, diversified portfolio of shares and ETFs, look no additional than M1 Finance. They supply a fairly revolutionary software/investing app that means that you can setup a portfolio and make investments into it (appropriately allotted) for free.
What do I imply? Nicely, think about a portfolio of ETFs – possibly you’ve got 5 ETFs at 20% every. Nicely, as an alternative of getting to do 5 transactions (and fee for every) whenever you purchase, now you can merely make investments and M1 Finance takes care of the remainder – at no cost!
If you do not know precisely find out how to set it up, you are greater than welcome to make use of considered one of their already setup portfolios as effectively.
It does not get significantly better than M1 Finance in the case of investing at no cost. Strive M1 Finance >>
J.P. Morgan Self Directed Investing
J.P. Morgan Self-Directed Investing is the newest replace from Chase in the case of investing (beforehand this was often called Chase You Make investments). The nice factor is that they made their platform actually commission-free. That is what makes it a runner up on our record of free investing apps.
Learn our full J.P. Morgan Self-Directed Investing overview.
The details about J.P. Morgan Self-Directed Investing has been collected independently by The Faculty Investor. The product particulars haven’t been reviewed or permitted by the corporate.
Ally Make investments
Ally Make investments is a strong alternative at no cost investing. They’ve a strong app that means that you can make investments, and like others on this record, you possibly can put money into shares, choices, and ETFs commission-free.
Ally additionally affords strong bonus affords if you happen to switch your account to them. Proper now, you possibly can stand up to $3,000 whenever you transfer your belongings over to them.
Moomoo
Moomoo is the newest free investing app working to make a splash with US traders. This app has numerous reputation within the Asian market, and it lately launched in each the USA and Australia. Like most apps right here, it affords free inventory, ETF, and choices buying and selling. It additionally has strong charting and different data. Once you open a brand new account, you possibly can earn as much as 15 free shares!
Learn out full Moomoo overview right here.
Webull
Webull has been gaining numerous traction within the final a number of years as a competitor to Robinhood. It is an funding platform that’s app-first, and it focuses on buying and selling. Actually, this yr it made our Honorable Mentions record of Greatest Inventory Brokers.
Webull affords highly effective in-app funding analysis instruments, with nice technical charting. This can be a step above what you will discover on most different funding apps.
You’ll find inventory, choices, and restricted crypto buying and selling on the Webull platform. Additionally they provide aggressive margin charges. The disadvantage right here is that they at the moment do not help mutual funds, bonds, OTC Bulletin Board or Pink Sheets shares. Shares which can be underneath $1 and/or have a market cap of $10 million or much less are restricted as effectively.
Bonus: WeBull is providing an awesome bonus of two free shares of inventory!
Learn our full Webull overview right here.
Get a free share of inventory!
Different Investing Apps
There are different investing apps that we’re together with on this, however they are not free. Nonetheless, they’re well-liked and could also be helpful to some traders.
Stash
Stash is one other investing app that is not free, however makes investing very easy. They’ve turned the investing course of into a straightforward to grasp platform, they usually do not cost any commissions to take a position. Nonetheless, they do cost a month-to-month payment that ranges anyplace from $1 to $9 monthly.
Stash was identified for $5 investing, however they’ve since gone to $0 minimums, they usually enable fractional share investing.
Learn our full Stash overview right here.
Who Is This For?
Investing apps are a good way to start out investing with the comfort of having the ability to do every part out of your cell gadget. It was the one strategy to put money into the inventory market was to name a inventory dealer and make a commerce. This was gradual, pricey (large commissions to commerce), and also you needed to meet sure minimums.
Once I began investing, issues had moved on-line. Nevertheless it was nonetheless not commission-free (I bear in mind paying $9.99 per commerce), and there wasn’t any skill to do it on cell.
Quick ahead to at this time, and there are a number of mobile-first investing platforms (like Robinhood, Webull, and Public). These corporations are majority-run on apps, and in consequence, they opened up investing to numerous younger folks.
Should you’re seeking to get began investing and need to do it in your telephone, this record is for you.
Why Ought to You Belief Us?
This record relies on a survey of 600 Individuals who recognized themselves as traders or interested by investing. The survey was fielded on January 2, 2026.
Moreover, I’ve been writing about investing and evaluating completely different investing platforms since 2009. I’ve reviewed and examined virtually each main investing platform and app accessible, and the evaluation relies on that have.
We consider that our record precisely displays the most effective free investing apps within the market for customers.
Investing App Questions
Listed here are some widespread questions on investing apps.
What makes an investing app completely different than a brokerage?
Investing apps are cell first investing platforms. They’re brokerages (similar to the names it’s possible you’ll be used to), however they permit traders to commerce and put money into an app.
Are investing apps protected?
Sure, they’re simply as protected as holding your cash at any main brokerage. These apps all are insured by the SIPC and have quite a lot of investor protections.
Can I put money into something on an app?
Is dependent upon the app. Some apps considerably restrict what you possibly can put money into, whereas others provide the complete ranges of funding choices.
Are these apps actually free?
Sure. The highest apps we record do not cost a month-to-month payment to make use of, and do not cost a fee to put money into shares, ETFs, and choices. After all, these apps could cost service charges for added providers, akin to wire transfers, paper statements, and extra.
Have you ever ever heard of any of those investing apps? Which one is your favourite?
Disclaimer:
Vanguard Recommendation providers are offered by Vanguard Advisers, Inc., a registered funding advisor, or by Vanguard Nationwide Belief Firm, a federally chartered, restricted‐function belief firm
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