Best Investing Apps for Beginners (2025)
Starting your investment journey in 2025 doesn't require a finance degree or a huge bankroll. Thanks to revolutionary investment apps, getting started is easier and more accessible than ever, especially for beginners in the USA. The key is choosing a platform that combines a user-friendly interface with low costs, great educational resources, and the right investment options.
We’ve cut through the noise to bring you the top contenders for beginner investors looking to build real wealth this year. Ready to swap scrolling for stacking?
Top 3 Investment Apps for US Beginners
When evaluating the best apps, we prioritized $0 commission trades, low or no account minimums, and robust educational tools. Here are the clear winners:
- Fidelity: Best for Comprehensive Tools and Support
As a full-service brokerage, Fidelity is a powerhouse that still manages to feel beginner-friendly. They offer $0 stock and ETF trades, access to fractional shares (Stocks by the Slice), and an incredible library of educational content. The Fidelity Youth Account is also a game-changer for parents aiming to teach teens about investing early. - Charles Schwab: Best for All-Around Beginner Experience
Schwab is often rated number one for beginners due to its seamless platform and excellent customer support. They match Fidelity with $0 commission trades and fractional shares (Stock Slices). Their “Investor Starter Kit” and comprehensive educational materials make learning simple, building confidence as you go. - Robinhood: Best for Simplicity and Active Trading
The original commission-free platform, Robinhood is famous for its simple, sleek interface—making it easy to buy your first stock. While great for active trading, beginners should be cautious and use its educational tools. It's an excellent entry point for stocks, ETFs, and cryptocurrencies, but lacks some of the in-depth research of the full-service brokers.
Robo-Advisors: Investing on Autopilot
If you prefer a hands-off approach, a robo-advisor might be your perfect match. These apps use algorithms to manage and rebalance a diversified portfolio for you. They are ideal for long-term investors and those who are nervous about making their own trades.
- Betterment: Top Choice for Goal-Based Investing
Betterment is a pioneer in the robo-advisory space. You set your goals (like retirement or a down payment), and the app automatically builds and manages an optimized portfolio of low-cost ETFs. Their fee structure is transparent and fair, making hands-off investing easy. - Acorns: Best for Micro-Investing (Spare Change)
Acorns makes investing ultra-simple by rounding up your everyday purchases and investing the difference. It’s perfect for those who want to invest consistently without thinking about it. While the monthly fee can be high relative to small account balances, it's a great habit-building tool.
Essential Features for Your First Investing App
Before you commit, ensure your chosen app offers these crucial elements:
- $0 Commission Trades: The industry standard for stocks and ETFs. Never pay a commission to buy these assets.
- Fractional Shares: This allows you to buy a small piece of an expensive stock (like Amazon or Google) with as little as $1. It’s vital for diversification on a budget.
- Educational Resources: Look for in-app articles, videos, and tutorials. The best app is one that helps you learn as you grow.
- Low Account Minimums: Most beginner-friendly apps, including those listed, have a $0 minimum to start.
The FinRise Pro Takeaway
For most beginner investors in the USA in 2025, a large, established broker like **Fidelity** or **Charles Schwab** provides the best blend of low cost, security, comprehensive tools, and growth potential. They let you start simple but offer the resources to grow into a more sophisticated investor.
Want to know more about different investment accounts? Check out our article on Roth IRA vs. Traditional IRA: Which is Right for You? to set up your tax-advantaged retirement savings.
Start your side hustle today with FinRise Pro USA!