CompareFairlyBest Robo-Advisors 2026
Our pick : Schwab Intelligent Portfolios (89/100) · Cheapest : Betterment · Best value : SoFi Automated Investing
In short
This comparison of 10 robo-advisors across 9 criteria, including management fee, account minimum, ETF expense ratios, tax-loss harvesting, IRA availability, and human advisor access, places Schwab Intelligent Portfolios first with a score of 89/100, largely due to its perfect scores in human advisor access and investment options. Vanguard Digital Advisor ranks second with 79/100, excelling in ETF expense ratios, while Betterment is identified as the most affordable option. It's important to note that data for 6 out of the 10 options is sourced, with the remaining values being estimates and flagged accordingly. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Schwab Intelligent Portfolios | Vanguard Digital Advisor | Betterment | SoFi Automated Investing | Fidelity Go | Wealthfront |
|---|---|---|---|---|---|---|
| Management Fee (%) | 0 | 0.15 | 0.25 | 0 | 0.35 | 0.25 |
| Account Minimum (USD) | 5000 | 100 | 0 | 1 | 10 | 500 |
| ETF Expense Ratios (%) | 0.08 | 0.05 | 0.11 | 0.06 | 0 | 0.12 |
| Tax-Loss Harvesting (boolean) | ✓ | ✓ | ✓ | — | — | ✓ |
| Human Advisor Access (boolean) | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Investment Options (count) | 50 | 15 | 12 | 10 | 8 | 10 |
Frequently asked questions
What are the best robo-advisors in 2026?
In 2026, Schwab Intelligent Portfolios leads our ranking with a score of 89/100, followed closely by Vanguard Digital Advisor, based on key criteria like management fees and account minimums.
How do robo-advisor fees compare?
Robo-advisor fees vary, with management fees, ETF expense ratios, and other costs being crucial factors. Our comparison details these for each service.
Which robo-advisor has the lowest account minimum?
Account minimums differ significantly between robo-advisors. We've compiled this information to help you find a service that fits your investment needs.
Are robo-advisors unbiased?
Yes, our rankings are completely unbiased. We do not accept payment for placement, and all data used for our comparisons is sourced and verifiable.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.