Compare round-up investing apps
Compare what an app does with your change, how it charges, and how much control you have over your investments. This guide is written by the team at Beaver.
| Compare |  Beaver |  Acorns |  Stash |  Qapital |  Grifin |
|---|---|---|---|---|---|
| Monthly fee | $0 monthly | $4–12 / month | $12 / month | $3–12 / month | Paid membership; plan varies |
| How it works | Nearest dollar, percentage, or spending match | Round-ups into managed portfolios | Stock-Back rewards on its debit card | Saving rules; investing from $8 / month | An amount per purchase, invested weekly |
| Where it goes | One investment, by brand, or by category | Managed portfolios; custom stocks on Gold | Stocks, funds, and managed portfolios | Ready-made investment portfolios | Brand-linked investing with adjustable settings |
| Card or account | Use your linked card | Link a card; Acorns card for real-time round-ups | Stash debit card for Stock-Back rewards | Linked bank account; Qapital card available | Use your linked cards |
| What you hold | Tokenized securities in your wallet | Brokerage and retirement accounts | Brokerage, retirement, and children’s accounts | Savings and investment accounts | Brokerage account |
Sources and pricing details
Beaver charges 1% per investment, 2.5% on sales, and 0.10% on withdrawals. Stablecoin deposits are free; other deposits cost 0.10%. Early access is invite-only. Round-ups use your money; card rewards are a different product.
Checked September 23, 2026. Standard monthly plans shown; promotions and annual plans may differ. Subscription prices cover different services and are not total investment costs.
Grifin’s published fees vary by plan. Tokenized securities have different rights and risks from conventional brokerage holdings.
Where Beaver stands out
Beaver combines no monthly subscription with three ways to direct your round-ups: one investment, a supported brand, or a category. You choose both the amount and the destination.
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