Source: https://trybeaver.app/ # Invest every time you spend. Beaver helps you invest in small steps. Own while you spend. No time to invest? Don’t know where to start? Not enough this month? [Get early access](https://trybeaver.app/#early-access) [See how it works](https://trybeaver.app/#how) Early access for iPhone · By invitation Example portfolio $821.67 All Beaver rounds up your everyday spending and invests the difference into stocks. ## A closer look at Beaver Spend → Own Home Portfolio Round-up rules ## How it works - Pay as usual You pay with the same card you use every day. - Set an amount Round to the next dollar or choose a percentage. - Round up Pick one stock, or the brand you spend from. - Grow Keep track of your portfolio growing. ## See where your money goes Tap a brand to check how roundups work. Coffee Starbucks $4.18 + $0.82 round-up View receipt + Starbucks SBUX Your round-up + $0.82 Purchase $4.18 Rounded to $5.00 Rides Uber $17.35 + $0.65 round-up View receipt + Uber UBER Your round-up + $0.65 Purchase $17.35 Rounded to $18.00 Shows Netflix $12.99 + $0.01 round-up View receipt + Netflix NFLX Your round-up + $0.01 Purchase $12.99 Rounded to $13.00 Phone Apple $9.40 + $0.60 round-up View receipt + Apple AAPL Your round-up + $0.60 Purchase $9.40 Rounded to $10.00 Delivery Chipotle $10.22 + $0.78 round-up View receipt + Chipotle CMG Your round-up + $0.78 Purchase $10.22 Rounded to $11.00 Amazon Amazon $31.09 + $0.91 round-up View receipt + Amazon AMZN Your round-up + $0.91 Purchase $31.09 Rounded to $32.00 ## Choose how much to invest ### Round up Round each purchase up to the next dollar or a set percentage. ### Match Invest the same amount you spend. Spend $1, invest $1. More conviction. ### Cash-back Pick one stock and auto-invest when your pending round-ups are ready. Set it once. ## Choose where it goes ### One favorite Send your round-ups to one supported stock you choose. ### By brand Shop at Apple → round up into Apple. ### By category Online shopping → Amazon. Food → a stock you like. You can review your rules in the app. ## Small amounts, explained $ 0.82 ### From a $4.18 purchase The difference when you round up to the next dollar. $ 360 ### From $30 each month A year of contributions, before fees and market changes. $ 0 ### Monthly subscription Investments cost 1%. Deposit, sale, and withdrawal fees also apply. [Understand the fees ↗](https://trybeaver.app/learn/invest-spare-change-without-monthly-fee) ## Why choose Beaver Round-ups you control, without a monthly subscription. ### No monthly bill Pay 1% when you invest. There’s no fixed subscription to cover each month. ### Your amount Choose spare change, a percentage, or an amount that matches your spending. ### Your destination Send round-ups to one investment, supported brands, or your spending categories. | 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. [Acorns ↗](https://www.acorns.com/pricing/) [Stash ↗](https://www.stash.com/pricing/) [Qapital ↗](https://www.qapital.com/pricing/) [Grifin ↗](https://help.grifin.com/knowledge/how-much-does-grifin-cost) Grifin’s published fees vary by plan. Tokenized securities have different rights and risks from conventional brokerage holdings. [Explore the comparison ↗](https://trybeaver.app/best/round-up-investing-apps) ## Know what you hold Beaver helps you collect fractions of real companies , issued by licensed providers. You keep them in your own wallet . You’re in control. [About tokenized stocks ↗](https://trybeaver.app/learn/tokenized-stocks) ## A few common questions ### What does Beaver cost? There is no monthly subscription. Investments cost 1%, sales 2.5%, and withdrawals 0.10%. Stablecoin deposits are free; other deposits cost 0.10%. ### Can I choose my investments? Yes. Send round-ups to one supported stock, match a supported brand, or set a stock for each spending category. ### What am I buying? Beaver uses tokenized securities held in your wallet. Your rights, access, and ability to redeem depend on the issuer and product terms. These can differ from shares held in a brokerage account. ### Are round-ups rewards? No. Round-ups use your own money to make investments alongside your purchases. Investment values can go down as well as up. ### How do I try Beaver? Request an invitation with your email. Early access is available by invitation through TestFlight on iPhone. ## Try Beaver early Leave your email to request a TestFlight invitation. Request invite ## Follow along Product updates and notes from the team. [Beaver on X](https://x.com/TryBeaver)