Free Calculator

What Is Your Spare Change
Actually Worth?

Drag the sliders to match your monthly spending. We'll show you how much those invisible round-ups could compound into — the number will surprise you.

↓

Step 1 — Your Monthly Spending

☕

Coffee & Dining Out

$320

~24 transactions/mo → round-ups average $0.50 each

🛒

Groceries

$400

~6 transactions/mo → round-ups average $0.50 each

🎮

Entertainment & Streaming

$120

~9 transactions/mo → round-ups average $0.50 each

🛍️

Shopping & Other

$220

~7 transactions/mo → round-ups average $0.50 each

Your estimated monthly round-ups

Based on avg transaction sizes per category

$23

per month → invested automatically

Step 2 — Your Assumptions

Time Horizon

Annual Return

If you invested your round-ups starting today, in 30 years you'd have:

from money you were already spending anyway

After 5 years

—

After 10 years

—

After 30 years
—

Monthly Round-Up Breakdown

Loading insight…

This is Literally What Acorns Does

Start Building Wealth From Your Spare Change — Automatically

Round up every purchase

Invest in diversified ETFs

Takes 5 minutes to set up

Acorns rounds up your everyday transactions and invests the difference into a diversified portfolio. The calculator above isn't hypothetical — it's exactly what Acorns users are building right now.

Get $20 Free When You Sign Up →

Paid partnership. New accounts only. $20 bonus requires qualifying deposit. Terms apply. Investing involves risk.

How Does Round-Up Investing Work?

Link Your Card

Connect a debit or credit card. Every purchase you make gets monitored for round-ups.

Spare Change Gets Swept

A $4.30 coffee becomes a $5.00 charge — the $0.70 difference flows into your investment account.

Compound Over Time

Those tiny amounts get invested in a diversified ETF portfolio and compound year after year.