6 best robo-advisors for 2026

Best for a hands-off portfolio and cash in one app: Wealthfront

Ideal for: An investor who wants one 0.25% fee at every balance, with the portfolio picked, rebalanced, and tax-loss harvested without having to touch it.

Our take: Wealthfront charges a 0.25% annual advisory fee on its Automated Investing account, and its account minimum is $500.² That is $25 a year per $10,000, with no flat fee or balance threshold to plan around.

Tax-loss harvesting is listed among the account's features, and a separate Stock Investing account with no commissions starts at $1 for anyone who also wants to pick shares. The Wealthfront review covers its Cash account and the cost to leave, and Wealthfront vs Schwab is the closest no-fee comparison.

Open a Wealthfront Automated Investing account

Pros:

• One 0.25% fee at every balance
• Tax-loss harvesting listed on the Automated Investing account
• Stock Investing account with no commissions from $1

Cons:

• $125 a year on $50,000, where Schwab charges no advisory fee
• $500 minimum, higher than Fidelity Go's $10 or SoFi's $50
• $62.50 a year at $25,000, where Fidelity Go charges $0 just below that line

Best for no advisory fee: Schwab Intelligent Portfolios

Ideal for: An investor with at least $5,000 who wants a managed portfolio with no advisory fee and live support at any hour.

Our take: Schwab Intelligent Portfolios charges no advisory fee and no commissions, and you need $5,000 to start.³ You'll still pay the operating expenses of the ETFs in your portfolio, Schwab's own ETFs included.

Based on your risk profile, Schwab places part of every portfolio in an FDIC-insured deposit at Charles Schwab Bank, and it says some cash alternatives outside the program pay a higher yield. That cash holding is how the no-fee model works, so check the cash share on your proposed portfolio before you fund it.

Schwab lists 24/7 live support, automatic rebalancing, tax-loss harvesting, and brokerage, IRA, custodial, and trust accounts. Wealthfront vs Schwab prices the two at three balances.

Pros:

• No advisory fee and no commissions
• 24/7 live support from US-based service staff
• Brokerage, IRA, custodial, and trust accounts

Cons:

• $5,000 minimum, the highest of the six
• Part of every portfolio held in a bank deposit Schwab says can pay less than other cash options
• ETF operating expenses still apply, as at every robo here

Best for balances under $25,000: Fidelity Go

Ideal for: An investor starting with less than $25,000 who wants a managed account that costs nothing until the balance reaches that line.

Our take: Fidelity Go charges no advisory fee under $25,000 and 0.35% a year at $25,000 and above, and that fee is calculated and charged on the whole account.⁴ So the fee goes from $0 to $87.50 a year when the balance reaches $25,000, and 0.35% is the highest percentage on this list.

There is no minimum to open, and the balance must be at least $10 before Fidelity invests it. Wealthfront vs Fidelity shows where the two cross.

Pros:

• No advisory fee under $25,000
• No minimum to open and $10 to start investing
• One login for anyone who already has a Fidelity account

Cons:

• 0.35% at $25,000 and above, the highest percentage here
• Fee applies to the whole balance, so $0 becomes $87.50 a year at $25,000
• $175 a year on $50,000, vs $125 at Wealthfront or SoFi

Best for low-cost index portfolios: Vanguard Digital Advisor

Ideal for: An investor who wants an all-index portfolio of Vanguard funds at the lowest paid advisory fee on this list.

Our take: Vanguard Digital Advisor charges a net advisory fee of no more than 0.2% a year on its all-index option, and Vanguard puts the cost at about $15 to $16 a year per $10,000 in an all-index portfolio.⁵ You need $100 in each Vanguard brokerage account you enroll, and you'll pay no advisory fee for the first 90 days.

Digital Advisor lists tax-loss harvesting among its tools, and it manages traditional, Roth, and rollover IRAs. The active/index option costs up to 0.25%. Wealthfront vs Vanguard prices the two side by side.

Pros:

• Lowest paid advisory fee of the six
• $100 minimum per account
• No advisory fee for the first 90 days

Cons:

• Net fee depends on your holdings, so Vanguard gives a range, not an exact amount
• Taxable account balances must sit in the settlement fund to enroll
• Active/index option costs up to 0.25%

Best for automatic monthly deposits: Betterment

Ideal for: An investor who will set up $200 or more a month in automatic deposits, or who already has $24,000 or more to invest.

Our take: Betterment's base price is $5 a month, and it switches to 0.25% a year once you set up $200 or more a month in recurring deposits or hold $24,000 or more across Betterment investing accounts, Cash Reserve included. There's no minimum balance.

The $5 equals 0.25% at exactly $24,000, but on $5,000 with no recurring deposits it comes to $60 a year, or 1.2%. So set up the monthly deposit before you fund the account.

Betterment Premium adds advisor access for a 0.65% annual fee. Betterment vs Wealthfront is the closest pairing on this list, since both charge 0.25% once Betterment's flat fee falls away.

Pros:

• No minimum balance
• 0.25% from the first dollar once $200 a month in deposits is set up
• Cash Reserve balances count toward the $24,000 line

Cons:

• $5 a month flat below $24,000 without recurring deposits
• That flat fee is 1.2% of a $5,000 balance
• Premium advisor access costs 0.65%, more than double the base rate

Best for an IRA match: SoFi Automated Investing

Ideal for: A saver opening a traditional or Roth IRA who wants a managed portfolio and a match on what they contribute.

Our take: SoFi Automated Investing charges a 0.25% annual advisory fee on your account value, and you can start with $50. SoFi pays a 1% match on contributions and rollovers into its Automated IRA and Automated Roth IRA, up to the annual limit, and matched money must stay for five years.

At the 2026 IRA limit of $7,500, that's a $75 match, which is more than the $18.75 a year the fee costs on that $7,500. SoFi also includes a complimentary 30-minute session with a financial planner, and it manages taxable brokerage accounts and SEP IRAs.

The SoFi IRA review covers the match rules, and best Roth IRA accounts covers providers outside the robo category.

Pros:

• 1% match on contributions to its automated IRAs
• $50 to start
• Complimentary 30-minute session with a financial planner

Cons:

• Matched money must stay in the account for five years
• No tax-loss harvesting listed on its automated investing page
• $125 a year on $50,000, where Schwab charges no advisory fee