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Best Robo-Advisors — May 2026

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Best fee
0.25%

Best Robo-Advisors — May 2026

Ranked by rate, fees, and switching friction. Sponsored products are clearly labeled.

Updated Today

Betterment

Betterment

Free
ANNUAL FEE
#1 PickBest for no annual fee
Auto-RebalanceTax-Loss HarvestingNo Min.
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Wealthfront

Wealthfront

Free
ANNUAL FEE
Editor's choiceBest for no annual fee
0.25% FeeTax-Loss Harvesting529 Plans
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Vanguard

Vanguard Digital Advisor

Free
ANNUAL FEE
Best valueBest for no annual fee
0.20% Net FeeLow-Cost Funds$3K Min.
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Charles Schwab

Schwab Intelligent Portfolios

Free
ANNUAL FEE
Low cost
No annual fee
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Acorns

Acorns

Free
ANNUAL FEE
Beginner pick
Round-Up Investing$3/moRetirement & Checking
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Editorial Disclosure: SwitchWize may earn a referral fee when you click through to a partner. This does not affect our rankings, which are based on rate, fees, minimum balance, brand trust, and switching friction. Rates are updated daily.

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Learn

Helpful Robo-Advisors guides and explainers

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Wealthfront vs Betterment vs Schwab Intelligent Portfolios 2026: Three-Way Robo-Advisor Comparison

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Wealthfront vs Fidelity Go 2026: Pure Robo vs Broker-Robo Comparison

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How to choose a robo-advisor

Master your finances with our expert-curated guides and insights.

Key tips
🤖

Understand what you are paying for

Robo-advisors charge 0.25% annually on average. On $10,000 that is $25/year. The value is automatic rebalancing, tax-loss harvesting (on larger balances), and behavioral coaching that keeps you invested.

📈

Compare underlying fund costs

The management fee is only part of the cost. Check the expense ratios of the funds the robo uses — some use proprietary funds with higher internal costs than competitors.

🔒

Check SIPC coverage

All major robo-advisors hold assets with SIPC-covered broker-dealers. Your investments are protected up to $500,000 per account in the event of broker failure (not against market losses).

🗺️

Use Money Map first

Our Money Map identifies whether a robo-advisor or self-directed approach fits your situation and investment timeline.

Is a robo-advisor better than a financial advisor?›
For straightforward investment portfolios, robo-advisors typically outperform human advisors on a cost-adjusted basis. Human advisors add value for complex situations: estate planning, tax strategy, business ownership, or significant wealth where behavioral coaching and tax optimization are worth the 1% fee.
What happens to my money if a robo-advisor goes out of business?›
Your investments are held separately from the robo company's assets at a custodian (like Apex Clearing or SIPC-covered broker). If the robo-advisor fails, your investments are transferred to another broker — you do not lose them.

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