TheMoneyCraze

5 picks · editor's ranking

Best Robo-Advisors of 2026

A robo-advisor builds and manages a diversified portfolio for you, rebalancing automatically. It's a simple way to invest without picking funds yourself.

Fees are the biggest difference. Several services now charge little or nothing on smaller balances.

Last reviewed October 23, 2026

Advertiser disclosure. Some listings may include affiliate links. If you apply through one, TheMoneyCraze may be compensated at no extra cost to you. This never changes our editorial coverage. Terms change — always confirm current details with the provider. How we make money

Our picks at a glance

PickBest forManagement feeAction
1Fidelity GoBest for small balances0% up to $25k, then 0.35%Visit site — Fidelity Go (opens in a new tab)
2WealthfrontBest for tax-loss harvesting0.25%Visit site — Wealthfront (opens in a new tab)
3BettermentBest for beginners0.25% (or $5/mo)Visit site — Betterment (opens in a new tab)
4Vanguard Digital AdvisorLowest all-in costAbout 0.15%Visit site — Vanguard Digital Advisor (opens in a new tab)
5Schwab Intelligent PortfoliosBest no-fee option0%Visit site — Schwab Intelligent Portfolios (opens in a new tab)
#1Best for small balances

Fidelity Go

Robo-advisor

Best for: Free robo-investing on small balances

No advisory fee under $25,000 and no minimum.

Stock & ETF trades
Included
Account minimum
$0
Accounts
Taxable, IRA, Roth
  • IRA accounts
  • No account minimum
Show pros & cons
  • No advisory fee under $25,000
  • No-expense-ratio funds
  • No minimum to open
  • 0.35% fee above $25,000
  • No tax-loss harvesting on smaller accounts

Management fee

0% up to $25k, then 0.35%

Visit site — Fidelity Go (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#2Best for tax-loss harvesting

Wealthfront

Robo-advisor

Best for: Automated tax-loss harvesting

Daily tax-loss harvesting and highly customizable portfolios.

Stock & ETF trades
Included
Account minimum
$500
Accounts
Taxable, IRA, Roth, 529
  • IRA accounts
  • Tax-loss harvesting
  • Fractional shares
Show pros & cons
  • Daily tax-loss harvesting
  • Low-cost ETF portfolios
  • Highly customizable
  • $500 minimum
  • No access to human advisors

Management fee

0.25%

Visit site — Wealthfront (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#3Best for beginners

Betterment

Robo-advisor

Best for: Goal-based investing for beginners

Goal-based planning with no minimum and optional human planners.

Stock & ETF trades
Included
Account minimum
$0
Accounts
Taxable, IRA, Roth
  • IRA accounts
  • Tax-loss harvesting
  • Fractional shares
  • No account minimum
Show pros & cons
  • No minimum to open
  • Tax-loss harvesting
  • Optional access to human planners (Premium)
  • $5 monthly fee on small balances without recurring deposits
  • Premium plan needs $100,000

0.25% a year on balances over $24,000 or with $200+ monthly recurring deposits; otherwise $5 a month. Premium: 0.65%, $100,000 minimum.

Management fee

0.25% (or $5/mo)

Visit site — Betterment (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#4Lowest all-in cost

Vanguard Digital Advisor

Robo-advisor

Best for: Low-cost Vanguard index portfolios

Vanguard index portfolios for around 0.15% a year.

Stock & ETF trades
Included
Account minimum
$100
Accounts
Taxable, IRA, Roth
  • IRA accounts
Show pros & cons
  • Very low all-in cost
  • Low $100 minimum
  • Vanguard index funds
  • Fewer features than dedicated robo-advisors

Management fee

About 0.15%

Reviewed Oct 23, 2026

#5Best no-fee option

Schwab Intelligent Portfolios

Robo-advisor

Best for: No management fee

No management fee at all, if you can start with $5,000.

Stock & ETF trades
Included
Account minimum
$5,000
Accounts
Taxable, IRA, Roth
  • IRA accounts
  • Tax-loss harvesting
Show pros & cons
  • No management fee
  • Schwab's service and branches
  • $5,000 minimum
  • Portfolios hold a portion in cash

Management fee

0%

Reviewed Oct 23, 2026

Investing involves risk, including loss of principal. Fees and features are as published by each provider on the review date and can change. Other fees (fund expense ratios, transfer and specialty fees) may apply.

How we compare platforms

Our methodology

We review each provider's published terms and compare them on what matters most. Rankings are editorial: partners can't pay for a better position, and any sponsored link is labelled. Terms change, so every entry shows the date it was last reviewed.

01

Cost

Commissions, management fees and the funds' own expense ratios.

02

Accessibility

Account minimums, fractional shares and ease of getting started.

03

Account choice

Taxable, IRA and other account types available.

04

Tools & support

Research, automation, tax features and access to human help.

Quick answers

Frequently asked questions

What's tax-loss harvesting?

Selling investments at a loss to offset taxable gains, then buying similar investments to stay invested. It only helps in taxable accounts, not IRAs or 401(k)s.

Robo-advisor or target-date fund?

Both are hands-off. A target-date fund is a single fund you can buy at most brokers, often at very low cost. A robo-advisor adds features like tax-loss harvesting and goal tracking.

Keep comparing

Best Online Brokers of 2026Compare all platforms

Before you decide

Guides worth reading

Investing

Investing for Beginners: How to Start With Confidence

You don't need a lot of money or market expertise to start investing. Here's the order of operations, the accounts to use, and why simple usually wins.

6 min read
Investing

Risk and Diversification: How to Invest Without Betting It All

Diversification is the closest thing investing has to a free lunch. Here's what investment risk really means, how spreading it out works, and how to build a mix you can live with.

5 min read