Best Robo-Advisors
A robo-advisor is the simplest way to invest if you would rather not pick funds yourself. It builds a diversified portfolio, rebalances automatically, and often harvests tax losses. We rank by management fee plus underlying fund costs, then weigh features like tax optimization and access to human advisors.
The best robo-advisors in 2026 is the Fidelity Go®, which tops our ranking with a Money 8020 score of 99/100. We track 6 robo-advisors, 6 with rates checked against the provider and a regulator. All 6 are ranked and compared below.
Which robo gives me a sensible portfolio and useful features at the lowest all-in cost?
Top 3 in this category.
Fidelity Go®
A 0%–0.35% management fee with no account minimum, sourced from our data partnership.
Vanguard Digital Advisor
A about 0.15% management fee with a $100 account minimum, sourced from our data partnership.
Betterment
A 0.25% annual management fee with no account minimum — automated investing for hands-off savers.
All 6, ranked.
Compare the numbers.
Click a column header to sort.
| Product | Annual fee | Annual fee | Score | Tier | |
|---|---|---|---|---|---|
| Fidelity Go® Fidelity | — | — | 99 | Essential | View |
| Vanguard Digital Advisor The Vanguard Group | — | — | 97 | Essential | View |
| Betterment Betterment | — | — | 94 | Essential | View |
| Wealthfront Wealthfront | — | — | 85 | Strong | View |
| SoFi Robo Investing SoFi | — | — | 84 | Strong | View |
| Schwab Intelligent Portfolios Charles Schwab | — | — | 81 | Strong | View |
How to choose the best robo-advisors
To choose a robo-advisor, compare the annual management fee, the account minimum, the underlying fund costs, and features like tax-loss harvesting and human-advisor access.
- Annual management fee as a percent of assets
- Account minimum to start
- Expense ratios of the underlying funds
- Tax-loss harvesting and rebalancing
- Access to human financial planners
Frequently asked questions about robo-advisors
Is a robo-advisor worth the management fee?
For hands-off investors, usually yes. A typical 0.25% management fee buys automatic rebalancing, tax-loss harvesting, and a diversified portfolio you do not have to maintain. If you are comfortable managing a simple index-fund portfolio yourself, a plain brokerage costs less.
Robo-advisor or target-date fund?
Both automate diversification. A target-date fund inside a brokerage is the cheapest option and dead simple. A robo adds features like tax-loss harvesting and goal-based planning, which can justify the small fee in a taxable account.