Acorns vs Digit
Acorns vs Digit: Round-Up Investing or Automatic Saving?
Both apps automate building money, but toward different ends, and one has changed hands. Acorns invests your spare change into diversified ETF portfolios and offers retirement accounts. Digit was a hands-off saver that learned your cash flow and set money aside for you; it was acquired by Oportun in 2021 and rebranded, so the Digit name is retired and the automatic saving now lives inside the Oportun (Set & Save) app. The choice is whether you want to invest for growth or quietly save cash.
Acorns vs Digit: feature comparison
Feature comparison of Acorns, Digit and Auritrack
| Feature | Acorns | Digit | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | No | No | Yes |
| Automatic bank sync | YesLinks a card and account to power round-ups | YesConnects your checking account to auto-save | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | No | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | Money Manager on the Gold tier | No | Yes |
| Savings goals | YesInvesting and savings goals | YesNamed savings goals | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUS dollars only | NoUS dollars only | YesLive exchange rates |
| Data export (PDF/CSV) | Statements and tax documents | Partial | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | YesIts core — ETF portfolios and IRAs | NoSaving and loans, not investing | No |
| Shared / household accounts | Kids accounts via Early on Gold | No | Yes |
| Sells your data to advertisers | No | No | No |
| Price | From $3/mo | ~$5/mo | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Acorns wins
- Round-ups flow into real, diversified ETF portfolios
- Retirement (IRA) and kids investment accounts
- Earns market returns on spare change, not just savings
- Still an active, standalone product under the Acorns brand
Where Digit wins
- Fully hands-off saving that learns your income and spending
- Safe automatic transfers toward named savings goals
- Now bundled with Oportun banking and personal loans
- Designed so you save without ever thinking about it
A third option: Auritrack
Both apps move money aside but do little to show where the rest of your paycheck goes, and Digit is no longer its own app. Auritrack is the spending-tracking layer that fits alongside whichever you use: an AI logs and categorizes your spending from a chat message or an uploaded statement, so you can see what is actually free to invest or save. It runs on a free tier for manual tracking with AI plans from $3/month or pay-as-you-go Auricoins, and it has no live bank sync yet, so you share a statement rather than a bank login.
The verdict
Choose Acorns if you want your spare change growing in ETF portfolios and retirement accounts, and you are fine with a flat monthly fee. If you liked Digit’s quiet automatic saving, that feature now lives in the Oportun app rather than a standalone Digit. Both are US-only and neither is a budget, so Auritrack can track the spending side either one leaves untouched.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Acorns guide or the Digit guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.