How Much Does Wealthfront Cost? Pricing and Fees (2026)
Last updated August 2026
Short answer
Wealthfront charges ~0.25%/yr. In money rather than percentages, that is roughly $25 a year on a $10,000 balance, about $250 on $100,000, and around $1,250 on $500,000, billed every year including the ones where the account falls. On top of that you pay the expense ratios of whatever funds are held, which every provider passes through. Your money has to live with Wealthfront rather than the broker you already use, and in a taxable account moving it can create a tax bill. Verify current pricing on Wealthfront's own site.
What Wealthfront charges
The headline figure: ~0.25%/yr, for hands-off investing with planning built in. You set your goals and risk level and fund an account, and Wealthfront allocates across a set of low-cost index ETFs, then rebalances and tax-loss harvests automatically. Its Path planning tool projects retirement and other goals against your linked accounts, and larger balances can unlock direct indexing that holds individual stocks to harvest losses more granularly.
| Your balance | At ~0.25% | Over 10 years, before growth |
|---|---|---|
| $10,000 | $25/yr | about $250 |
| $50,000 | $125/yr | about $1,250 |
| $100,000 | $250/yr | about $2,500 |
| $500,000 | $1,250/yr | about $12,500 |
The ten-year column deliberately ignores growth, which means it understates the real total: the fee applies to a balance that is usually rising, so the amount paid rises with it. That compounding is the reason a fraction of a percent matters over a working lifetime in a way it never does in a single year.
What you still pay on top
- Fund expense ratios. Whatever ETFs or funds sit inside the portfolio charge their own fee, deducted inside the fund rather than billed to you. A broad index fund is often 0.03% to 0.10%; a specialist fund charges more.
- Trading costs. Commissions where they apply, plus the bid-ask spread on everything bought and sold, which is real even where the commission is zero.
- Tax. Moving money into Wealthfront from an existing taxable account usually means selling, and selling can create a capital gain. That one-off cost is easy to overlook when comparing annual fees.
Wealthfront pricing against the alternatives
| Product | Cost | Holds your money? | What the fee buys |
|---|---|---|---|
| Wealthfront | ~0.25%/yr | No (holds your money) | Hands-off investing with planning built in |
| Betterment | ~0.25%/yr | No (holds your money) | Set-and-forget automated investing |
| SoFi | Free automated investing | No (holds your money) | Beginners in one money app |
Comparing on headline price alone misses the more consequential variable, which is whether your assets have to move. A product that manages money it holds is doing a different job from one that reads an account you already have, and the fee difference reflects the work rather than a discount.
Where Walnut fits on price
Since this is our site, plainly: Walnut is free. There is no paid plan, no subscription and no fee on assets, because it connects the brokerage you already have rather than taking custody of your money, so there are no assets under management to charge on. You still pay your broker's commissions and your funds' expense ratios, which you would pay anyway. The full breakdown is on the Walnut pricing page.
That is not automatically the better deal. Wealthfront charges ~0.25%/yr because it does something Walnut deliberately does not: it manages the money for you, and the discipline of automation is worth paying for if the alternative is that you never get round to it. Free is only cheaper if the free thing does what you actually need.
FAQ
How much does Wealthfront cost?
~0.25%/yr. On $10,000 that is roughly $25 a year; on $100,000 about $250; on $500,000 about $1,250. It is charged every year, including years the account loses money, and it scales with the balance rather than staying flat.
Is there a minimum to open a Wealthfront account?
Minimums change and are set by the provider, so the only reliable source is Wealthfront's own site. What is worth knowing generally: robo-advisors that hold your money often set an account minimum, while tools that connect to a brokerage you already have usually do not, because there is nothing to fund.
What else do you pay on top of the Wealthfront fee?
Usually the expense ratios of the funds held inside the portfolio, which are deducted within each fund rather than billed to you, plus any trading costs your broker charges. Those exist regardless of which provider you use. In a taxable account, selling to move money between providers can also create a tax bill, which is a real cost people forget to count.
What does a 0.25% fee actually cost over time?
More than the percentage suggests, because it applies to a growing balance every year. At $250 a year on $100,000, a portfolio that grows to $500,000 is paying roughly $1,250 annually for the same service. Whether that is worth it depends entirely on whether you want the work done for you.
Does Wealthfront charge to connect my existing brokerage?
No (holds your money). Where a product holds your money instead of connecting to your broker, the question does not arise: you fund an account with them and the management fee covers it. Where it does connect, the connection itself is normally included rather than billed separately.
Is Wealthfront worth the money?
That depends on whether you would otherwise do the work yourself. Paying a percentage of assets buys automation and the discipline of not interfering, which has real value for people who would otherwise tinker. Paying nothing and doing it yourself only wins if you actually do it. Neither answer is right for everyone, and the honest test is what you would do in a month where the market falls.
Is Wealthfront cheaper than the alternatives?
Within hands-off automated investing (robo-advisors), Wealthfront charges ~0.25%/yr against Betterment at ~0.25%/yr, SoFi at Free automated investing. Price is only half the comparison though: whether your money has to move, and what you get for the fee, decide more than the headline rate.
Where can I confirm Wealthfront's current pricing?
On Wealthfront's own site. Fees, tiers and minimums change, and this page is maintained by a competitor rather than by Wealthfront, so treat every figure here as a point-in-time guide to be verified rather than a quote.
Walnut publishes this page and competes with Wealthfront, so read it as an informed assessment rather than an independent one. It is built from publicly available information about the product, not from collected user reviews, and it carries no star rating because we have not surveyed Wealthfront's customers. Pricing, features and availability change; verify current details on Wealthfront's own site before deciding. Walnut is informational and is not an investment adviser. Nothing here is a recommendation to buy, sell, or hold any security or to use any particular product.