10 Best Investment Apps To Let Your Money Make Money In 2024

Kent McDIll
April 29, 2023
10 Best Investment Apps To Let Your Money Make Money

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

In today’s world, investing your money has become more accessible than ever before. 

With the rise of investment apps, you can start investing with just a few clicks on your phone, regardless of your experience level. 

So, whether you’re looking to save for retirement or want to earn some extra cash, read on to discover the best investment apps to let your money make money.

10 Best Investment Apps Of 2024

1. Mainvest

Mainvest has a slightly different target, and the goal is to invest in small businesses nationwide. 

The minimum investment is $100, but the site suggests a target return on investment of 10-25% (not a guarantee).

The idea is that you are investing in Main Street rather than in corporations that don’t need your investment dollar. 

Mainvest allows you to invest in businesses it has vetted. Investors get quarterly reports on investments. 

And investors get a share of the business revenue from those companies they invest in. 

There is also no investment fee for Mainvest.

2. Stash

One of the first investment apps, Stash*, allows users to start with a $5 investment. 

It also allows you to invest in fractional shares of stocks. 

It offers a subscription service so that you add to your account as you might with a savings account. 

You can also get investing advice and banking services1.

1Bank Account Services provided by Green Dot Bank, Member FDIC. 

Fractional shares start at $0.05 for investments that cost $1,000+ per share.

There is a monthly subscription fee, starting at $3 a month, which is different depending on the services you want. 

But Stash has been in this industry as long as the business has existed from the very first day, and it is well-established and has improved as it has grown.

Stash Subscription fee starts at $3/ month. 

You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. 

Please see the Advisory Agreement for details. Other fees apply to the bank account.

3. Acorns

Since the beginning, Acorns has also been around. It distinguishes itself from the offer of Roundups, where you can put the extra change from purchases directly to your Acorns account. 

You can access advice from experts who can design a portfolio based on your interests and risk tolerance. 

Acorns have more than eight million users today.

4. Personal Capital

Backed by Empower, Personal Capital offers a dashboard where you can link all of your checking, savings, and investing accounts. 

It provides investment and wealth management advice for current and future financial planning. 

You can track your total net worth and your retirement planning condition. 

Personal Capital also offers a fee monitoring service, so you can know the total fees you pay for your various accounts. 

It can result in consolidating some of your accounts and saving money.

5. Stock Rover

Stock Rover promotes its investment option comparison charts as the top reason to use it over other investment apps. 

It compares value and safety and scores companies for quality and growth potential. 

It also offers clear research reports on any firm you wish to invest in.

Stock Rover may provide more value from an information standpoint, making it a good app for serious investors.

6. Morningstar

The Morningstar website looks like standard investor fare, but the app provides the same investing opportunity as the other sites. 

However, Morningstar is likely to promote mutual fund investing over short-term in-and-out trading, and it is more likely to aim for long-term investors looking for growth over the years rather than weeks. 

Some criticize the Morningstar app for being less user-friendly than others. 

7. Invstr

Invstr combines investing opportunities, education, and gaming with the next generation of investing apps. 

Besides the investing opportunities, Invstr includes an investing fantasy stock game in which you manage a $200 billion virtual portfolio. 

It also has a link to crypto investing, which is unusual among the top investment apps, and it offers a bonus for the first $100 invested in cryptocurrency funds. 

8. Wealthfront

Wealthfront made its name as a robo-advisor website and now runs an app that performs the same duties. 

But its goal is automated money management. 

You answer a few questions, and your funds are invested for you in response to your financial goals. 

It is as much an advisory service as it is an investment app. 

9. Betterment

Betterment is designed to create professionally managed portfolios focused on socially responsible exchange-traded funds for socially or environmentally conscious investors. 

Climate change and social impact are the aims here. 

Your risk tolerance best determines your investments. 

This is not a site aimed at short-term investing, this is investing for a purpose beyond the bottom line. 

Important Takeaway

Please note: There are no guarantees on any investment you make on these apps. Also, a visit to the Better Business Bureau website can let you know if there are any problems related to using these apps. With all the choices and variations, it might be best to review several apps before placing funds on any one site. And those apps are Stash, Mainvest, Acorns, Personal Capital, Stock Rover, Morningstar, etc.

Key Factors To Consider When Choosing An Investment App

(i) Account fees: Make sure you understand the fees associated with the app, including account management fees, transaction fees, and any other costs that may apply.

(ii) Minimum amount needed to open an account: Some investment apps have minimum deposit requirements to open an account. Make sure you choose an app that fits your budget and investment goals.

(iii) Mobile app rating: Check the app’s rating on the app store to see what other users say about its functionality, user interface, and overall performance.

(iv) Educational resources: Look for an app that offers educational resources, such as articles, tutorials, and webinars, to help you learn about investing and make informed decisions.

(v) Customer service options: Make sure the app has customer service options that fit your needs, such as phone support, email support, or live chat.


Well, folks, it’s time to put your money to work!

With their sleek interfaces, intuitive features, and endless potential for returns,  these top-notch investment apps will make money in no time.

Download these investment apps now and get ready to join the ranks of the financial elite!


The amount required to open an investment app account varies depending on the platform. Some investment apps allow users to start with as little as $1, while others require a minimum deposit of $100 or more.

Many investment apps are available for stock traders, but some of the best options include Robinhood, E*TRADE, TD Ameritrade, and Fidelity. Each app has unique features, so it’s important to research and choose the one that best fits your needs.

Some of the best investment apps for beginners include Acorns, Stash, and Betterment. These apps offer easy-to-use interfaces, low fees, and guidance for new investors.

Most investing apps are safe to use, as they are required to comply with various regulations and security measures to protect user information and funds. However, it’s important to do your research and choose a reputable app with a strong security and customer support track record.


Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.
*Offer is subject to T&Cs.* *You must complete within the specific time period included in this offer: (i) successfully complete (or already have completed, or re-apply for and complete) the registration process of opening an individual taxable brokerage account (“Personal Portfolio”), (ii) link a funding source to your account; AND (iii) deposit at least $5 from your funding source into your Personal Portfolio. *T&Cs


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