{
  "canary": "246144782f5935d8",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Fees",
        "key": "management_fee",
        "label": "Management Fee",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "account_minimum",
        "label": "Account Minimum",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Fees",
        "key": "etf_expense_ratios",
        "label": "ETF Expense Ratios",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Features",
        "key": "tax_loss_harvesting",
        "label": "Tax-Loss Harvesting",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "booleen",
        "unit": "boolean"
      },
      {
        "group": "Features",
        "key": "isa_availability",
        "label": "IRA Availability",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "booleen",
        "unit": "boolean"
      },
      {
        "group": "Features",
        "key": "human_advisor_access",
        "label": "Human Advisor Access",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "booleen",
        "unit": "boolean"
      },
      {
        "group": "Portfolio",
        "key": "investment_options",
        "label": "Investment Options",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "count"
      },
      {
        "group": "Platform",
        "key": "platform_uis_ux",
        "label": "Platform UI/UX",
        "options": [
          "Poor",
          "Fair",
          "Good",
          "Excellent"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "note_qualitative",
        "unit": "note"
      },
      {
        "group": "Platform",
        "key": "customer_support",
        "label": "Customer Support",
        "options": [
          "Poor",
          "Fair",
          "Good",
          "Excellent"
        ],
        "poids": 1,
        "sens": "plus_haut_mieux",
        "type": "note_qualitative",
        "unit": "note"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best robo-advisors in 2026?"
      },
      {
        "a": "Robo-advisor fees vary, with management fees, ETF expense ratios, and other costs being crucial factors. Our comparison details these for each service.",
        "q": "How do robo-advisor fees compare?"
      },
      {
        "a": "Account minimums differ significantly between robo-advisors. We've compiled this information to help you find a service that fits your investment needs.",
        "q": "Which robo-advisor has the lowest account minimum?"
      },
      {
        "a": "Yes, our rankings are completely unbiased. We do not accept payment for placement, and all data used for our comparisons is sourced and verifiable.",
        "q": "Are robo-advisors unbiased?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2138,
    "neutral": false,
    "path": [
      "finance",
      "investing",
      "robo-advisors"
    ],
    "price_key": "account_minimum",
    "profile_questions": [
      {
        "options": [
          "Retirement savings",
          "Buying a home",
          "General wealth building",
          "Short-term goals"
        ],
        "q": "What is your primary investment goal?"
      },
      {
        "options": [
          "Under $1,000",
          " $1,000 - $10,000",
          " $10,000 - $50,000",
          "Over $50,000"
        ],
        "q": "What is your approximate investment amount?"
      },
      {
        "options": [
          "Low (preservation focused)",
          "Medium (balanced growth)",
          "High (aggressive growth)"
        ],
        "q": "What is your risk tolerance?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "best online brokers",
      "how to choose an investment platform",
      "compare investment fees",
      "what is a robo-advisor"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Robo-Advisors",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 10.6,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "Fee-conscious investors with $5,000+ to invest",
      "cons": [
        "High cash allocation may reduce returns",
        "Requires $5,000 to start investing"
      ],
      "description": "A zero-fee robo-advisor with broad diversification, but high cash allocation may reduce returns.",
      "logo_dom": "charles.com",
      "logo_url": "https://unavatar.io/charles.com?fallback=false",
      "name": "Schwab Intelligent Portfolios",
      "pros": [
        "Zero advisory fee for the digital-only version",
        "Broad diversification with over 50 funds",
        "Offers tax-loss harvesting"
      ],
      "provider": "Charles Schwab",
      "score": 89.0,
      "source_url": "https://www.unbiased.com/discover/financial-advice/best-robo-advisors",
      "subscores": {
        "account_minimum": 95.0,
        "etf_expense_ratios": 33.0,
        "human_advisor_access": 100.0,
        "investment_options": 100.0,
        "management_fee": 100.0,
        "tax_loss_harvesting": 100.0
      },
      "values": {
        "account_minimum": 5000,
        "customer_support": null,
        "etf_expense_ratios": 0.08,
        "human_advisor_access": true,
        "investment_options": 50,
        "ira_availability": true,
        "management_fee": 0,
        "platform_uis_ux": null,
        "tax_loss_harvesting": true
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Low-cost, long-term index investing",
      "cons": [],
      "description": "A low-cost, goal-based service built entirely from Vanguard funds and ETFs.",
      "link_url": "https://vanguard.com/",
      "logo_dom": "vanguard.com",
      "logo_url": "https://unavatar.io/vanguard.com?fallback=false",
      "name": "Vanguard Digital Advisor",
      "pros": [
        "Low-cost, long-term index investing",
        "Access to Vanguard's industry-leading low-cost index funds",
        "Automatic rebalancing and tax-loss harvesting for taxable accounts"
      ],
      "provider": "Vanguard",
      "score": 79.0,
      "source_url": "https://www.unbiased.com/discover/financial-advice/best-robo-advisors",
      "subscores": {
        "account_minimum": 100.0,
        "etf_expense_ratios": 58.0,
        "human_advisor_access": 100.0,
        "investment_options": 30.0,
        "management_fee": 83.0,
        "tax_loss_harvesting": 100.0
      },
      "values": {
        "account_minimum": 100,
        "customer_support": null,
        "etf_expense_ratios": 0.05,
        "human_advisor_access": true,
        "investment_options": 15,
        "ira_availability": true,
        "management_fee": 0.15,
        "platform_uis_ux": null,
        "tax_loss_harvesting": true
      },
      "verified": true
    },
    {
      "badges": [
        "cheapest"
      ],
      "best_for": "Goal-based investing with tax optimization",
      "cons": [
        "Access to CFPs only for customers with more than $100,000 invested",
        "Monthly fee for balances under $20,000 without automatic deposits"
      ],
      "description": "A well-established robo-advisor with strong portfolios, automated tax-loss harvesting, and tiered pricing.",
      "link_url": "https://betterment.com/",
      "logo_dom": "betterment.com",
      "logo_url": "https://unavatar.io/betterment.com?fallback=false",
      "name": "Betterment",
      "pros": [
        "Strong portfolios with low-cost ETFs",
        "Automated tax-loss harvesting",
        "Goal-based investing with tax optimization"
      ],
      "provider": "Betterment",
      "score": 68.0,
      "source_url": "https://www.unbiased.com/discover/financial-advice/best-robo-advisors",
      "subscores": {
        "account_minimum": 100.0,
        "etf_expense_ratios": 8.0,
        "human_advisor_access": 100.0,
        "investment_options": 24.0,
        "management_fee": 72.0,
        "tax_loss_harvesting": 100.0
      },
      "values": {
        "account_minimum": 0,
        "customer_support": null,
        "etf_expense_ratios": 0.11,
        "human_advisor_access": true,
        "investment_options": 12,
        "ira_availability": true,
        "management_fee": 0.25,
        "platform_uis_ux": null,
        "tax_loss_harvesting": true
      },
      "verified": true
    },
    {
      "badges": [
        "best_value"
      ],
      "best_for": "New investors",
      "cons": [],
      "description": "Offers automated investing with a focus on low fees and a wide range of financial products.",
      "logo_dom": "sofi.com",
      "logo_url": "https://unavatar.io/sofi.com?fallback=false",
      "name": "SoFi Automated Investing",
      "pros": [],
      "provider": "SoFi",
      "score": 65.0,
      "source_url": "https://www.etnasoft.com/best-robo-advisors-of-2026-your-guide-to-automated-investing/",
      "subscores": {
        "account_minimum": 100.0,
        "etf_expense_ratios": 50.0,
        "human_advisor_access": 100.0,
        "investment_options": 20.0,
        "management_fee": 100.0,
        "tax_loss_harvesting": 0.0
      },
      "values": {
        "account_minimum": 1,
        "customer_support": null,
        "etf_expense_ratios": 0.06,
        "human_advisor_access": true,
        "investment_options": 10,
        "ira_availability": true,
        "management_fee": 0,
        "platform_uis_ux": null,
        "tax_loss_harvesting": false
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Beginners and small account balances",
      "cons": [
        "Does not offer tax-loss harvesting",
        "Does not offer drawdown tools"
      ],
      "description": "A beginner-friendly robo-advisor with no minimum to open and no fees for smaller balances.",
      "logo_dom": "fidelity.com",
      "logo_url": "https://unavatar.io/fidelity.com?fallback=false",
      "name": "Fidelity Go",
      "pros": [
        "No fees for balances under $25,000",
        "Low minimum investment to start investing",
        "Uses proprietary Fidelity Flex funds with zero expense ratios"
      ],
      "provider": "Fidelity",
      "score": 63.0,
      "source_url": "https://www.unbiased.com/discover/financial-advice/best-robo-advisors",
      "subscores": {
        "account_minimum": 100.0,
        "etf_expense_ratios": 100.0,
        "human_advisor_access": 100.0,
        "investment_options": 16.0,
        "management_fee": 61.0,
        "tax_loss_harvesting": 0.0
      },
      "values": {
        "account_minimum": 10,
        "customer_support": null,
        "etf_expense_ratios": 0,
        "human_advisor_access": true,
        "investment_options": 8,
        "ira_availability": true,
        "management_fee": 0.35,
        "platform_uis_ux": null,
        "tax_loss_harvesting": false
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Tax-efficient investing and financial planning",
      "cons": [
        "No human advisor access"
      ],
      "description": "A tech-led robo-advisor with wide planning tools and direct indexing at higher balances.",
      "link_url": "https://wealthfront.com/",
      "logo_dom": "wealthfront.com",
      "logo_url": "https://unavatar.io/wealthfront.com?fallback=false",
      "name": "Wealthfront",
      "pros": [
        "Direct indexing for accounts over $100,000 for enhanced tax efficiency",
        "Tax-efficient investing and financial planning"
      ],
      "provider": "Wealthfront",
      "score": 56.0,
      "source_url": "https://www.unbiased.com/discover/financial-advice/best-robo-advisors",
      "subscores": {
        "account_minimum": 100.0,
        "etf_expense_ratios": 0.0,
        "human_advisor_access": 0.0,
        "investment_options": 20.0,
        "management_fee": 72.0,
        "tax_loss_harvesting": 100.0
      },
      "values": {
        "account_minimum": 500,
        "customer_support": null,
        "etf_expense_ratios": 0.12,
        "human_advisor_access": false,
        "investment_options": 10,
        "ira_availability": true,
        "management_fee": 0.25,
        "platform_uis_ux": null,
        "tax_loss_harvesting": true
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Combines free financial tools with optional paid advisory services for a holistic financial view.",
      "estimated": true,
      "link_url": "https://www.empower.com/",
      "logo_dom": "empower.com",
      "logo_url": "https://unavatar.io/empower.com?fallback=false",
      "name": "Personal Capital",
      "provider": "Empower",
      "score": 35.0,
      "source_url": "https://www.empower.com/personal-capital",
      "subscores": {
        "account_minimum": 0.0,
        "etf_expense_ratios": 17.0,
        "human_advisor_access": 100.0,
        "investment_options": 50.0,
        "management_fee": 0.0,
        "tax_loss_harvesting": 100.0
      },
      "values": {
        "account_minimum": 100000,
        "customer_support": null,
        "etf_expense_ratios": 0.1,
        "human_advisor_access": true,
        "investment_options": 25,
        "ira_availability": true,
        "management_fee": 0.89,
        "platform_uis_ux": null,
        "tax_loss_harvesting": true
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://sigfig.com/",
      "name": "SigFig",
      "score": 0.0,
      "subscores": {},
      "values": {
        "account_minimum": null,
        "customer_support": null,
        "etf_expense_ratios": null,
        "human_advisor_access": null,
        "investment_options": null,
        "isa_availability": null,
        "management_fee": null,
        "platform_uis_ux": null,
        "tax_loss_harvesting": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "E-Trade Core Portfolios",
      "score": 0.0,
      "subscores": {},
      "values": {
        "account_minimum": null,
        "customer_support": null,
        "etf_expense_ratios": null,
        "human_advisor_access": null,
        "investment_options": null,
        "isa_availability": null,
        "management_fee": null,
        "platform_uis_ux": null,
        "tax_loss_harvesting": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://acorns.com/",
      "name": "Acorns",
      "score": 0.0,
      "subscores": {},
      "values": {
        "account_minimum": null,
        "customer_support": null,
        "etf_expense_ratios": null,
        "human_advisor_access": null,
        "investment_options": null,
        "isa_availability": null,
        "management_fee": null,
        "platform_uis_ux": null,
        "tax_loss_harvesting": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-robo-advisors.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best robo advisors",
  "source": "CompareFairly",
  "title": "Best Robo-Advisors",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-robo-advisors"
}