Best Investing Apps for Beginners in 2025.

It usually begins with a quiet question: Why isn't my money doing more? Maybe it’s a late-night glance at your bank account or a moment when the bills get paid but the balance barely moves. You’re earning, you’re trying—but that feeling of financial momentum? It’s just not there yet.

In 2025, more people are waking up to that reality—and doing something about it. They're not chasing fast money. They're building smart money. Slowly. Deliberately. With tools that meet them where they are.

The great news? You don’t need a finance degree. Or a big windfall. What you need is one solid first step—and the right app can give you exactly that.

This guide explores the best investing apps for beginners in 2025. It’s written with you in mind—no fluff, no jargon. And if you’re ready to treat investing like a real part of your life or side business, you’ll also see where tools like Incfile LLC formation come into play.

Let’s dive in. Want a broader look at the landscape first? Check out our core piece: Fintech & Investing Tools in 2025: The Ultimate Guide to Building Wealth with Technology.

Why Investing Feels Intimidating (Until It Doesn’t)

Let’s be honest—investing can feel like a foreign language. Index funds? Capital gains? Tax-loss harvesting? It’s easy to feel like you missed a class somewhere.

But the truth is, today’s apps are designed to meet you before the class even starts. They simplify. They automate. They teach you as you go. And most importantly? They get you started.

And if you’re freelancing, flipping real estate, or even just trading regularly, it might be time to start an LLC online. With platforms like Incfile, you can create a business structure that protects your personal assets, simplifies taxes, and lets you operate more strategically.

Want to see the bigger picture of what’s out there? Start with our Top 10 Fintech Tools Every Investor Should Know.

Best Investing Apps for Beginners in 2025

1. Betterment – Best for Low-Stress Wealth Building

Betterment makes it easy. Seriously. You answer a few questions, and it builds a diversified portfolio tailored to your goals. You don’t need to pick stocks, time the market, or do anything complex.

It’s ideal if you just want your money to grow quietly in the background. Plus, Betterment supports socially responsible investing, automated rebalancing, and tax-efficient strategies.

Need a side-by-side breakdown? Read Best Robo-Advisors Compared: Wealthfront vs Betterment vs SoFi or drill down with SoFi vs Betterment: Best for Automated Investing?

2. Acorns – Best for Investing Without Noticing

Acorns is like the piggy bank that invests for you. It rounds up your purchases and invests the spare change.

Perfect for beginners who aren’t ready to set aside large sums but still want to start building. Want to see other passive investing methods? Check out Fintech Apps That Round Up Spare Change Into Investments and Best Fintech Tools for Passive Investing in 2025.

3. Public – Best for Learning as You Go

If you like community, conversation, and transparency, Public is your app. It lets you follow other investors, view their trades (if they choose to share), and see commentary in everyday language.

Plus, you can invest in fractional shares of major companies—even with just a few bucks. Not sure how it stacks up? We’ve compared it in Public vs Stash: Which Micro-Investing App Wins?

4. SoFi Invest – Best for All-in-One Finance

SoFi blends investing, banking, loans, and more. It’s beginner-friendly but also gives you room to grow. You can start with automated portfolios and later graduate to active investing when you’re ready.

Wondering how it compares to more traditional long-term platforms? See M1 Finance vs Fidelity: Which App Is Right for Long-Term Investors?

5. Stash – Best for Personalizing Your Portfolio

Stash guides you to build an investment plan around your interests and goals—whether that’s clean energy, tech, or dividend stocks. It’s approachable, informative, and full of gentle nudges to help you keep going.

If you're building a values-aligned portfolio, you may also want to explore Fintech Tools for ESG and Sustainable Investing.

If you want to track your progress, don’t miss our guides on the Best Apps for Tracking Your Net Worth and Best Dividend Trackers and Portfolio Management Tools.

Legal Tip: If It’s More Than a Hobby, Treat It Like a Business

Once your investing gets serious—whether it’s day trading, flipping assets, or managing rental income—it’s time to think like an entrepreneur.

Forming an LLC with Incfile can help protect your personal assets, unlock business tax deductions, and make your operation feel… well, more official. Even if you're just freelancing or trading on the side, setting up a legal structure can pay off.

And if you’re freelancing full-time? Explore Tools That Help Freelancers Start Investing.

How to Pick the App That’s Right for You

Let’s skip the hype. Here’s what actually matters:

Why you’re investing. Is it retirement, a house, or just learning how?
How much effort you want to put in. Do you want to click once a month—or every day?
Whether you want a full platform or just a starter tool.

If you’re curious about strategy and tools, dive deeper into:

How to Automate Your Investments Using Fintech Tools
How to Analyze Stocks Using Fintech Platforms
How to Create an Investment Plan Without a Financial Advisor
TradingView vs Stock Rover: Which Tool Offers Better Insights?
Best Stock Screeners for Retail Investors
7 Must-Have Apps for Day Traders
Robinhood vs Webull: Which Is Better for Traders in 2025?

What Comes After You Download the App?

You start.

Maybe it’s $5. Maybe $50. Maybe you just read for a week before you invest a dime. That’s fine. The important thing is: you’re doing this.

Want to explore more?

5 New Investing Apps to Watch in 2025
The Best Crypto-Friendly Investing Platforms
Why Traditional Brokerages Are Losing to Fintech Startups
How Fintech Is Democratizing Wall Street
The Future of Fintech in Personal Investing

People Also Ask (PAA)

What is the best investment for 2025?

It depends on your goals, but diversified index funds, ETFs, and robo-advisors like Betterment are strong contenders. Many investors are also exploring sustainable assets—see our guide on Fintech Tools for ESG and Sustainable Investing.

What is the best investment app for a beginner?

Most beginners feel comfortable with Acorns for its automatic investing or Betterment for its hands-off wealth building approach. For more detail, explore the Best Investing Apps for Beginners in 2025.

How much do I need to invest to make £1,000 a month in the UK?

Assuming a 6% annual return, you'd need around £200,000 invested. But results vary. Consider reading How to Create an Investment Plan Without a Financial Advisor for more realistic guidance.

Which investment is best for the next 5 years?

Experts often point to diversified ETFs, tech funds, and dividend stocks. Beginners may want to compare apps that support these strategies—see Best Robo-Advisors Compared: Wealthfront vs Betterment vs SoFi and Best Fintech Tools for Passive Investing in 2025.

What is the easiest investing app for beginners?

Betterment and Acorns offer the smoothest onramps for first-time investors. Want to explore AI-supported options? Start with Best AI-Powered Investing Tools Right Now.

Can I invest with just $5?

Yep! That’s what apps like Public, Stash, and Acorns are built for. You’ll find even more options in Fintech Apps That Round Up Spare Change Into Investments.

Are these apps secure?

Most top platforms use encryption and are regulated. Still, it’s smart to stay informed. Read Are Fintech Investment Tools Safe? What You Should Know.

Should I create an LLC for investing?

If you’re treating it as more than a hobby—say, investing for income, managing properties, or running a trading blog—then yes. See our guide on how to Start an LLC Online for a simple step-by-step.

What if I know nothing about investing?

You’re in the right place. Try Investing Tools for Teens and College Students for a beginner-friendly start, or learn the ropes with Using AI Tools to Improve Your Investment Decisions.