Top 10 Robo-Advisors for Smart and Automated Investing in 2026

• The platform for automated and individualized investment using robots
• Tools for thorough financial planning, such as retirement and college savings
• Tax-effective methods for maximizing wealth management
• Financial advisors for individualized advice
• You will get an easy-to-use interface for simple portfolio management

The Wealthfront app combines the strength of technology with individualized financial advice to help you achieve your financial objectives and secure a better future. The AI finance app Wealthfront provides a network of knowledgeable financial experts who can offer advice specifically tailored to your requirements.

The platform provides a full range of financial planning tools, from college savings and retirement planning to tax-efficient techniques, all intended to put you on the road to financial security. Additionally, it optimizes your portfolio for growth and risk management using a data-driven approach.

If you are exploring the app, you don’t need to disclose personal information, like your Social Security number. Also, you will get well-managed investment portfolios that align with their objectives and risk appetite. There are customizable ETFs available. The app offers A high-yield cash account, stock trading, and borrowing.

There isn't a defined monthly cost for Wealthfront. Based on the value of your automated investment assets, a monthly 0.25% fee for automated accounts is assessed.

• Easy to set up multiple goals and monitor your progress
  
• Adjustable portfolios based on the user’s changing goals and risk tolerance
  
• Tax-loss harvesting can be availed by all customers
  
• Offers low-cost investing and no-fee cash accounts
  
• Get access to human planners with a premium subscription
  
• Automatically manages your investment and is easy to use

Betterment is an AI-powered financial app that offers you the best way to save and manage your money. It provides you with a platform to earn high interest on your savings and offers effective automated investing solutions.

It is one of the best AI finance applications that provides all users with a comprehensive financial planning solution. The app can cater to the needs of both new investors and high-net-worth clients.

You can choose your portfolio from some of the best options available, including- Core, Goldman Sachs SmartBeta, and BlackRock Target Income. The app streamlines your financial planning by allowing you to create multiple goals and monitor average and worst-case scenario returns.

• Extremely competitive advisory fee structure
  
• Offers inexpensive fund options
  
• Easy access to professional and personalized financial advice
  
• Investors can hold individual stocks and mutual funds
  
• Easy account set-up that can be done online
  

Vanguard Personal Advisor Services is the best asset management tool that offers unlimited access to financial advisors. The app employs Vanguards’ strong fund line-up with technology to design customized wealth management plans for users.

It is an ideal solution for getting access to financial advisors at lower costs. The app is also suitable for assisting in comprehensive financial planning and in regulating large account balances.

This app is mostly preferred by users who are getting close to their retirement. It offers a personal touch similar to traditional financial advisors at the price of a robo-advisor. Vanguard is suitable for both portfolio management and advisor access.

It is build for investors with a higher account balance who are seeking financial advice at low advisory costs. The main goal is to offer personalized financial management at a lower consumer cost.

• Offers mutual funds, including no-fee Fidelity index funds
  
• Supports international trading and fractional share investing
  
• Provides both desktop and mobile platforms that are simple to use
  
• Provides excellent and accurate research without any commissions
  
• Comprehensive tools for planning and managing finances throughout retirement

Fidelity Investments functions as the largest brokerage firm in the United States. This app is best suited for investors who are looking for an online, low-cost broker. It is one of the most trusted AI banking apps that offers banking and financial services to over 40 million users.

Fidelity does not charge any fee on stocks and ETF trades and thus holds a strong position in the market. The customers are also accessible to multiple currencies, options, mutual funds, etc. You can also access many fixed-income products like municipal bonds, treasury corporate, etc.

It is a mutual fund giant which is regarded as the market leader in defining personalized investment strategies for its clients. Beyond a wide spectrum of products, Fidelity offers a comprehensive suite of tools and investable assets for users.

• Offers three different platforms for a vast consumer base
  
• Enables large fund selection
  
• Provides commission-free stock and ETF-trading
  
• Extensive and accurate AI research tools
  
• AI-enhanced customer support that can facilitate trade and resolve queries

Schwab Mobile is an all-in-one AI financial mobile app that lets you monitor and trade in the market. You can also research investments and can follow the latest updates and current happenings of the market through the app.

The app takes on the full-service approach and offers a wide range of products and services that are suitable for investors at any level. It offers multiple platforms that are tailored to its wide consumer base. As a Schwab Mobile app user, you can get access to educational resources, responsive customer support, and highly accurate research tools.

It is one of the most advanced online financial apps that assigns a robo-advisor as your personal digital investment manager. With this, you get the best AI research tools that can help you ace the financial market.

• Get 2% cash back rewards with your SoFi Credit Card
  
• Comes with up to $1000 in stock whenever you fund the SoFi invest account
  
• The app also offers a no-fee overdraft protection
  
• Get in-depth insights into your spending habits using SoFi

Sofi is a top-notch fintech app that provides mobile banking and stock investment services. In this app, you can track and manage all your bank accounts, loan accounts, and stock trading accounts.

The SoFi app offers some of the most profitable financial services in the segment. Using checking and savings accounts of the SoFi app, you can earn up to 4.50% APY (Annual Percentage Yield). Additionally, using direct deposits on SoFi, you can get paid up to 2-days earlier.

This app also offers FDIC insurance of up to $2 million on deposits made by users. Additionally, you can also use over 55,000 fee-free ATMs to access your money in cash.