The Best Robo-Advisors in 2026
Two charge 0.25% of assets. One is $5 a month until you hit $24k. One is $0 under $25k, then 0.35%. One advertises $0 and keeps a cash sleeve.
Betterment: $5 a month under $24k (or skip the fee with $200+ recurring), then 0.25% a year; Premium 0.65%. Wealthfront Automated Investing is 0.25% a year. Fidelity Go: $0 advisory under $25k, 0.35% at $25k and above. Schwab Intelligent Portfolios: $0 advisory fee, $5,000 minimum, required cash allocation. This is not investment advice. Confirm current terms on each site.
Key facts5 tools compared: Betterment, Wealthfront, Fidelity Go, Schwab Intelligent Portfolios, SoFi…
- 5 tools compared: Betterment, Wealthfront, Fidelity Go, Schwab Intelligent Portfolios, SoFi Automated Investing
- Wealthfront (best for: A straight percent-of-assets fee with no monthly charge): 0.25% per year (Automated Investing)
- Fidelity Go (best for: Balances under $25k, or Fidelity households that want the robot next to a brokerage account): $0 advisory under $25,000; 0.35%/yr above, billed on average daily assets; $10 to start
- Schwab Intelligent Portfolios (best for: People who can fund $5,000 and accept a required cash holding for no advisory fee): $0 advisory fee, no commissions; $5,000 minimum and a required cash allocation
Robo-advisors all build a portfolio and rebalance it. They do not charge the same way. Betterment can be a $5 flat fee or 0.25% of assets. Wealthfront is a straight 0.25%. Fidelity Go is free until $25k, then 0.35%. Schwab posts $0 and takes a cash allocation.
Those are four different invoices for the same-looking pie chart.
This list is for managed portfolios, not stock-trading apps. If you want to pick your own tickers, that is a different page.
Top Picks
Based on features, real-world fit, and value for money.
| Tool | Pricing | Best for |
|---|---|---|
| Betterment | From $5/mo under $24k (Digital); 0.25%/yr at $24k+; $200+ recurring waives the monthly fee | People who want a published monthly fee that switches to a percent of assets, plus self-directed investing |
| Wealthfront | 0.25% per year (Automated Investing) | A straight percent-of-assets fee with no monthly charge |
| Fidelity Go | $0 advisory under $25,000; 0.35%/yr above, billed on average daily assets; $10 to start | Balances under $25k, or Fidelity households that want the robot next to a brokerage account |
| Schwab Intelligent Portfolios | $0 advisory fee, no commissions; $5,000 minimum and a required cash allocation | People who can fund $5,000 and accept a required cash holding for no advisory fee |
| SoFi Automated Investing | Custom quote; confirm the advisory fee and minimum on sofi.com | People already in the SoFi app who want automated investing next to their other products |
Pricing read from each vendor's own published pricing page, checked Aug 2026. Every vendor here publishes a price.
Best for: People who want a published monthly fee that switches to a percent of assets, plus self-directed investing
PricingFrom $5/mo under $24k (Digital); 0.25%/yr at $24k+; $200+ recurring waives the monthly fee
Best for: A straight percent-of-assets fee with no monthly charge
Pricing0.25% per year (Automated Investing)
Best for: Balances under $25k, or Fidelity households that want the robot next to a brokerage account
Pricing$0 advisory under $25,000; 0.35%/yr above, billed on average daily assets; $10 to start
Best for: People who can fund $5,000 and accept a required cash holding for no advisory fee
Pricing$0 advisory fee, no commissions; $5,000 minimum and a required cash allocation
Best for: People already in the SoFi app who want automated investing next to their other products
PricingCustom quote; confirm the advisory fee and minimum on sofi.com
What it is
A robo-advisor is a discretionary account that assigns you a mix of funds from a questionnaire, then rebalances. Some add tax-loss harvesting above a balance. Some add a human for a higher wrap fee. The product is the wrap, the funds inside it and any cash the program forces you to hold. Brokerage apps that let you trade are not this category.
Why it matters
The number that decides the bill is AUM versus flat versus cash drag. $5 a month on a $8k Betterment account is 0.75% a year. The same account at Fidelity Go is $0. At $50k, Betterment and Wealthfront are 0.25% and Fidelity Go is 0.35%.
Schwab's $0 still costs you the yield you are not earning on the cash sleeve. A "cheapest robo" article that ignores the breakpoint is doing the math for a balance you do not have.
Key features to look for
Pricing
Betterment, Wealthfront, Fidelity Go, and Schwab publish advisory fees, checked 26 August 2026. SoFi is quote-only, so confirm the advisory fee and minimum on sofi.com.
The cheapest published entry is Fidelity Go, with no advisory fee under $25,000 and $10 to start. Schwab also charges no advisory fee and no commissions once you fund $5,000 and accept the required cash allocation.
Betterment moves from $5 a month under $24k to 0.25% a year, including when $200+ recurring deposits waive the monthly fee. Betterment Premium is 0.65% a year, and Fidelity Go becomes 0.35% a year at $25,000, billed from average daily assets.
| Plan | Price | Best for |
|---|---|---|
| Betterment Digital (under $24k) | $5/mo under $24k | Under $24k invested |
| Betterment Digital ($24k+) | 0.25%/yr | At $24k+, or with $200+ recurring deposits |
| Betterment Premium | 0.65%/yr | Higher fee if you want a person |
| Betterment Self-directed | No wrap fee | Self-directed investing has no wrap fee |
| Wealthfront Automated Investing | 0.25% per year | Published automated investing fee |
| Fidelity Go (under $25,000) | $0 under $25,000 | $10 minimum to start investing |
| Fidelity Go ($25,000 and above) | 0.35%/yr from $25,000 | Billed on average daily assets; coaching at $25k+ |
| Schwab Intelligent Portfolios | $0 advisory, no commissions | $5,000 minimum; cash allocation and ETF revenue |
| Schwab Intelligent Portfolios tax-loss harvesting | Eligible from $50,000 | Tax-loss harvesting if you enroll |
| SoFi Automated Investing | Custom quote | Confirm the advisory fee and minimum on sofi.com |
The bottom line
Under $25k, Fidelity Go at $0 advisory is the published bargain. Above that, Betterment Digital and Wealthfront at 0.25% usually beat Fidelity Go's 0.35%. Betterment at $5 a month only wins if that is cheaper than 0.25% on your balance, or if $200 recurring waives it.
Schwab Intelligent Portfolios is $0 wrap with a $5,000 minimum and a cash sleeve. Confirm SoFi on their site. This is not a recommendation to invest.
Frequently asked questions
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