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8 Micro-Investing Apps for Investing on a Budget

Micro-investing lets you invest with small amounts of money. These are top apps that offer this feature.

Micro-investing apps let you start investing with just a few dollars by offering fractional shares and automatic round-ups. These platforms are designed to make investing accessible, whether you’re looking to grow your portfolio gradually or test the waters with minimal risk.

With features like recurring deposits and spare change round-ups, micro-investing apps provide simple, practical solutions for building wealth over time — without requiring a large initial investment.

Here are eight platforms to help you get started quickly and efficiently.

8 micro-investing apps to consider

The following micro-investing apps offer a range of features to help you start investing with minimal funds. From fractional shares starting at $1 to spare change round-ups and recurring deposits, these platforms provide a user-friendly way to begin your investment journey, regardless of your experience level.

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OPTO

3.8
★★★★★

Finder score

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Stock trade fee$0
Minimum deposit$0
Signup bonusEarn up to $300

Robinhood

4.6
★★★★★

Finder score

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Stock trade fee$0
Minimum deposit$0
Signup bonusGet a free stock

eToro

4.3
★★★★★

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Copy crypto picks from top traders
Go to site Read review
Stock trade fee$0
Minimum deposit$0
Signup bonusFINDER EXCLUSIVE: Get a guaranteed $15 bonus and $10 in free crypto

Acorns

4
★★★★★

Finder score

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Stock trade fee$0
Minimum deposit$0
Signup bonusGet a $20 bonus

Stash

3.7
★★★★★

Finder score

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Stock trade fee$0
Minimum deposit$0
Signup bonusGet $10 when you sign up and deposit $5

Interactive Brokers

4.7
★★★★★

Finder score

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Stock trade fee$0
Minimum deposit$0
Signup bonusN/A

Public.com

4.4
★★★★★

Finder score

Get up to $10,000 and transfer fees covered when you move your portfolio to Public
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Stock trade fee$0
Minimum deposit$0
Signup bonusGet up to $10,000 and transfer fees covered

M1 Finance

4.1
★★★★★

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Stock trade fee$0
Minimum deposit$100
Signup bonusN/A
M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1 Fee Schedule.
M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc.. M1 High –Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.
Obtaining stated APY (annual percentage yield) with the M1 High-Yield Savings Account does not require a minimum account balance. Stated APY is accrued on account balance. APY is solely determined by M1 Spend LLC and its partner banks, and will include account fees that will reduce earnings. Rates are subject to change without notice. M1 High-Yield Savings Account is a separate offering from, and not linked to, the M1 High-Yield Cash Account offered by M1 Finance, LLC. M1 is not a bank.

What is micro-investing?

Micro-investing allows individuals to invest small amounts by purchasing fractional shares of stocks or ETFs. Instead of requiring large sums to buy full shares, these platforms let users invest with just a few dollars, making investing accessible to everyone.

Many apps also automate the process through features like recurring deposits or spare change round-ups, helping users build their portfolios gradually.

This method is especially useful for beginners or those who want to start investing without committing substantial funds upfront. Micro-investing simplifies the process, allowing users to grow their investments consistently over time.

Pros and cons of micro-investing.
Micro-investing offers an entry into the world of investing, but like any investment strategy, it has advantages and drawbacks.

Pros

  • Low barrier to entry. You can start investing with just a few dollars, making it accessible to nearly everyone.
  • Automated features. Many apps offer round-ups and recurring deposits, helping you invest consistently with less effort.
  • Fractional shares. You can buy into expensive stocks or funds without needing to purchase full shares.

Cons

  • Small returns. With small investments, it takes time to see meaningful growth.
  • Fees. Monthly charges on some platforms can outweigh gains if you have a low balance.
  • Limited options. Micro-investing platforms often provide fewer investment choices than traditional brokerages.

How do I start micro-investing?

Starting with micro-investing is simple and straightforward. Here are the basic steps to get you started:

  1. Compare brokers and open an account: Research micro-investing platforms and choose one that fits your needs. Open an account through its app or website.
  2. Fund your account. Link your bank account to transfer funds into your micro-investing platform. Some apps also allow recurring deposits for consistent investing.
  3. Research and choose your investments. Decide whether you want to invest in stocks, ETFs or themed portfolios. Many platforms offer pre-built portfolios for ease.
  4. Place your order. Once you’ve chosen your investments, make your first order, either by investing a lump sum or setting up automated contributions.

Frequently asked questions

Is micro-investing a good idea?

Micro-investing can be a good way to start investing with little money and minimal risk. It’s especially beneficial for beginners looking to build strong financial habits and steadily grow their portfolio over time. However, the returns can be slower, and fees may have a greater impact on smaller accounts.

What should you avoid when micro-investing?

Avoid high fees relative to your account balance, as they can eat into your returns. Additionally, don’t rely solely on micro-investing for long-term financial goals — consider diversifying with other investment strategies as your portfolio grows.

Matt Miczulski's headshot
To make sure you get accurate and helpful information, this guide has been edited by Matt Miczulski as part of our fact-checking process.
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Written by

Contributor

Shane's career started with the US Department of Defense where he performed research for 8 years. He then studied philosophy and became fascinated by the ways in which technology and finance can consolidate to impact the world's socio-economic order. To date, he has written hundreds of articles with various insights into digital assets, trading, investing, and the ways in which technology can be used to further optimize the stock trading and settlement processes. His work has been featured in Yahoo Finance, Nasdaq, Bitcoin Magazine, Investing.com, Tokenist, and others. See full bio

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