Best Investment Apps for Beginners in the USA (2025 Edition)

Investing in the past few years has become easier, even for beginner investors in the United States. Anyone with a smartphone these days can start building wealth from the mobile investment platforms, even with little to no experience or capital. At its very basic, these investment apps can guide you with their money-saving, emergency fund cultivation, or just introducing pura stock market investing.

In this detailed guide, we will discuss the best investment apps for beginners in the USA during the year 2025. The selection of these apps was based on their simplicity for new users, affordability, ease of use, and educational support, all of which are important for a new investor.

Robinhood- Simplest Stock Trading for First-Timers

It still stands as one of the most famous apps for beginner investing. The application was designed to be easy to use; it allows stock, ETF, and even cryptocurrency trades with no commission. The app enables fractional share investing, so you can begin with just $1 or less. Its clean and easy-to-use interface has made it a favorite among younger

Fidelity Investments – A Full-Service Platform for Long-Term Investors

Fidelity is considered the best investing platform around for beginners serious about long-term investing-and is often the first one considered by investors. The platform provides commission-free trading for stocks and ETFs while offering thousands of mutual funds and retirement account options. Its app is filled with educational material, advanced research tools, and a user-friendly interface. While it provides much broader choice than some beginner apps and can appear overwhelming at first, it remains the best option for the long haul of wealth accumulation in a good environment.

Acorns – Great for Passive, Hands-Off Investing

Acorns is a bit different in its investment approach-it invests your spare change automatically. It binds to your bank account and rounds up all the purchases you make to the nearest dollar and invests that difference in a diversified portfolio. This no-fuss way of doing things is exactly what beginner investors would want so that an investment habit is built without actual managing. Acorns also provide some educational content through the Grow platform. The main drawback is a monthly fee starting at $3, which may not work.

Webull – A Bridge Between Learning and Trading

Webull serves as an excellent option for beginners seeking to learn more about the trades. Like Robinhood, there are no charges on trades here; a set of extra tools, however, is afforded to the user, which includes charting, real-time data, and paper trading, where the user can work through a strategy without risking real money in the markets. It is an excellent stepping stone between doing some investing and more active trading. The downside is that the user interface and features could pose technical difficulty to complete newbies.

Charles Schwab – Reliable Option for Long-Term Investors

Charles Schwab has a more traditional and diversified investing experience for those who value reliability and customer support. It is a zero-commission trading stock and ETF platform with retirement planning tools and access to Schwab Intelligent Portfolios, a robo-advisory service. It appears not too slick or modern compared to some of the newer platforms, but in terms of features, it is loaded and perfect for investors looking to partner with a great company long-term in their financial journey.

Stash – Personalized Investments and Financial Education

Tailored for beginners who wish to learn as they spend, Stash allows them to slowly build their portfolio while receiving investment advice and knowledge. Banking and investing are merged in one app in a bid for convenience. However, just like Acorns, Stash has a monthly fee starting from $3, which tends to chip away at small investment gains at the outset.

How to Choose the Right Investment App as a Beginner?

Choosing the best investment app as a beginner really comes down to what you want to do: trade stocks actively, invest for the long term, or build passive income. Apps like Robinhood and Webull are good for those who want to manage their own trades, while platforms like Acorns and SoFi Invest work better for those who want automation or want to be professionally guided. Fidelity and Charles Schwab provide a good balance of tools, support, and low costs for anyone thinking of going long.

FAQs

Which app is safest for new investors?
Apps like Fidelity, Charles Schwab, and SoFi are highly regulated and offer investor protections through SIPC, making them safe and trustworthy.

Can I start investing with just $10?
Yes. Apps such as Stash, Robinhood, and Acorns let you begin with very small amounts—even $1 to $10.

Are investment apps legit and secure?
All the apps mentioned in this article are registered with U.S. financial regulators and use encryption and security protocols to protect user data and funds.

Conclusion

The best investment apps for beginners in the USA all share one thing in common—they make investing accessible. Whether you’re looking for simplicity, education, automation, or access to professional advice, there’s an app that fits your needs. Start small, stay consistent, and don’t be afraid to learn along the way. With the right tools at your fingertips, anyone can begin their investing journey in 2025 with confidence.