# Best Robo-Advisors _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › investing › robo advisors **Our pick**: Schwab Intelligent Portfolios (89/100) · **Cheapest**: Betterment · **Best value**: SoFi Automated Investing ## Comparison table | Criterion | Schwab Intelligent Portfolios | Vanguard Digital Advisor | Betterment | SoFi Automated Investing | Fidelity Go | Wealthfront | | --- | --- | --- | --- | --- | --- | --- | | Management Fee (%) | 0 | 0.1 | 0.2 | 0 | 0.3 | 0.2 | | Account Minimum (USD) | 5000 | 100 | 0 | 1 | 10 | 500 | | ETF Expense Ratios (%) | 0.1 | 0.1 | 0.1 | 0.1 | 0 | 0.1 | | Tax-Loss Harvesting (boolean) | ✓ | ✓ | ✓ | - | - | ✓ | | Human Advisor Access (boolean) | ✓ | ✓ | ✓ | ✓ | ✓ | - | | Investment Options (count) | 50 | 15 | 12 | 10 | 8 | 10 | ## 1. Schwab Intelligent Portfolios A zero-fee robo-advisor with broad diversification, but high cash allocation may reduce returns. **Best for:** Fee-conscious investors with $5,000+ to invest **Pros:** - Zero advisory fee for the digital-only version - Broad diversification with over 50 funds - Offers tax-loss harvesting **Cons:** - High cash allocation may reduce returns - Requires $5,000 to start investing _Source (verified): [https://www.unbiased.com/discover/financial-advice/best-robo-advisors](https://www.unbiased.com/discover/financial-advice/best-robo-advisors)_ ## 2. Vanguard Digital Advisor A low-cost, goal-based service built entirely from Vanguard funds and ETFs. **Best for:** Low-cost, long-term index investing **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 _Source (verified): [https://www.unbiased.com/discover/financial-advice/best-robo-advisors](https://www.unbiased.com/discover/financial-advice/best-robo-advisors)_ ## 3. Betterment A well-established robo-advisor with strong portfolios, automated tax-loss harvesting, and tiered pricing. **Best for:** Goal-based investing with tax optimization **Pros:** - Strong portfolios with low-cost ETFs - Automated tax-loss harvesting - 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 _Source (verified): [https://www.unbiased.com/discover/financial-advice/best-robo-advisors](https://www.unbiased.com/discover/financial-advice/best-robo-advisors)_ ## 4. SoFi Automated Investing Offers automated investing with a focus on low fees and a wide range of financial products. **Best for:** New investors _Source (verified): [https://www.etnasoft.com/best-robo-advisors-of-2026-your-guide-to-automated-investing/](https://www.etnasoft.com/best-robo-advisors-of-2026-your-guide-to-automated-investing/)_ ## 5. Fidelity Go A beginner-friendly robo-advisor with no minimum to open and no fees for smaller balances. **Best for:** Beginners and small account balances **Pros:** - No fees for balances under $25,000 - Low minimum investment to start investing - Uses proprietary Fidelity Flex funds with zero expense ratios **Cons:** - Does not offer tax-loss harvesting - Does not offer drawdown tools _Source (verified): [https://www.unbiased.com/discover/financial-advice/best-robo-advisors](https://www.unbiased.com/discover/financial-advice/best-robo-advisors)_ ## 6. Wealthfront A tech-led robo-advisor with wide planning tools and direct indexing at higher balances. **Best for:** Tax-efficient investing and financial planning **Pros:** - Direct indexing for accounts over $100,000 for enhanced tax efficiency - Tax-efficient investing and financial planning **Cons:** - No human advisor access _Source (verified): [https://www.unbiased.com/discover/financial-advice/best-robo-advisors](https://www.unbiased.com/discover/financial-advice/best-robo-advisors)_ ## 7. Personal Capital Combines free financial tools with optional paid advisory services for a holistic financial view. _Source (estimate): [https://www.empower.com/personal-capital](https://www.empower.com/personal-capital)_ ## 8. SigFig ## 9. E-Trade Core Portfolios ## 10. Acorns ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-robo-advisors — citation with a link is allowed; bulk extraction/redistribution is prohibited._