{ "meta": { "last_updated": "2026-10-18", "schema_notes": "Percentages are percent of each buy (1.0 = 1%). null = not published or not verified on an official page; see the notes field. Frequency keys: hourly, daily, weekly, biweekly, semimonthly (1st and 15th), monthly. Boolean fields can also be 'partial' with a note. best_for is a short label based only on the verified features in this file (not a recommendation).", "verification": "Every non-null value was read from the source URL(s) listed for that app on last_checked. Nothing is estimated." }, "apps": [ { "id": "robinhood", "name": "Robinhood", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "$0 commission on stocks and ETFs", "spread_pct": null, "spread_text": "Not applicable / not published for stock orders", "min_buy_usd": null, "min_text": "Not stated on the recurring-investments help page", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Every market day, every week, every 2 weeks, or every month", "fractional": true, "etf_autobuy": true, "ira_support": true, "auto_withdraw": null, "notes": "Recurring orders are dollar-based (fractional). Stock/ETF recurring orders typically process between 11 AM ET and market close, batched per security. Leveraged, inverse and volatility ETPs are excluded. Recurring investments work in self-directed traditional and Roth IRAs.", "sources": [ "https://robinhood.com/us/en/support/articles/recurring-investments/", "https://robinhood.com/us/en/support/articles/retirement-investing/", "https://robinhood.com/us/en/support/articles/trading-fees-on-robinhood/" ], "last_checked": "2026-10-18", "best_for": "Stocks + crypto in one app" }, { "id": "fidelity", "name": "Fidelity", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "Recurring investments are free; $0 commission for online US stock and ETF trades (a limited list of ETFs carries a $100 service fee)", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 1, "min_text": "$1 to $100,000 per recurring stock/ETF/basket investment", "frequencies": null, "frequency_text": "You choose amount, frequency and day; the public page does not list the exact frequency options", "fractional": true, "etf_autobuy": true, "ira_support": true, "auto_withdraw": null, "notes": "Works in brokerage, traditional/rollover/Roth IRAs and HSAs. Paid from your Fidelity cash (core) position or a linked bank. Stock/ETF orders are placed as market orders on the investment date.", "sources": [ "https://www.fidelity.com/trading/recurring-investments", "https://www.fidelity.com/trading/fractional-shares" ], "last_checked": "2026-10-18", "best_for": "Any ETF, inside an IRA" }, { "id": "schwab", "name": "Charles Schwab", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "$0 online commission for listed stocks and ETFs; $0 on OneSource mutual funds", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 1, "min_text": "As little as $1 per Automatic Investment Plan (AIP) transaction (mutual funds); fractional shares from $1", "frequencies": [ "weekly", "biweekly", "semimonthly", "monthly" ], "frequency_text": "AIP: weekly, every other week, twice a month, monthly, every 3 months, every 6 months, annual (mutual funds only)", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": null, "notes": "Schwab's Automatic Investment Plan is for eligible mutual funds only. Schwab states 'only mutual funds are eligible for automatic investments', so a VOO-style ETF auto-buy is not available; an S&P 500 index mutual fund can be auto-bought instead. Fractional shares of most US-listed stocks and ETFs can be bought manually from $1. IRA eligibility for AIP was not confirmed on the pages checked.", "sources": [ "https://www.schwab.com/content/how-to-automatically-invest-mutual-funds", "https://www.schwab.com/fractional-shares-stock-slices", "https://www.schwab.com/pricing" ], "last_checked": "2026-10-18", "best_for": "Index mutual funds" }, { "id": "vanguard", "name": "Vanguard", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "$0 online commission on ETFs and stocks (clients under $1M: $25 if broker-assisted)", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 1, "min_text": "Vanguard ETFs from $1 with dollar-based trading", "frequencies": null, "frequency_text": "Not listed on the public pages checked", "fractional": "partial", "etf_autobuy": "partial", "ira_support": null, "auto_withdraw": null, "notes": "Recurring purchases are available into your Vanguard ETF positions; dollar-based (fractional) trading covers Vanguard mutual funds and Vanguard ETFs, not third-party ETFs. IRA support for recurring ETF buys was not confirmed on the pages checked.", "sources": [ "https://investor.vanguard.com/investor-resources-education/etfs/etf-vs-mutual-fund", "https://investor.vanguard.com/investor-resources-education/article/what-is-dollar-based-investing", "https://investor.vanguard.com/client-benefits/investment-fees" ], "last_checked": "2026-10-18", "best_for": "Vanguard ETFs" }, { "id": "public", "name": "Public", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0.49, "monthly_fee_usd": 0, "fee_text": "Investment Plan fee per execution: $0.49 (1-3 symbols), $0.99 (4-10), $1.99 (11-20). Public Premium members are exempt.", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 1, "min_text": "Orders below $1 per asset in a Plan are not executed", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Daily, weekly, biweekly or monthly", "fractional": true, "etf_autobuy": true, "ira_support": true, "auto_withdraw": null, "notes": "Recurring buys run through Investment Plans (up to 20 assets). The calculator uses the $0.49 tier (1-3 symbols, non-Premium). Public's IRA page says recurring IRA investments can stop once you hit the IRS limit.", "sources": [ "https://help.public.com/en/articles/7260782-what-are-the-fees-for-investment-plans", "https://public.com/disclosures/investment-plans", "https://public.com/ira" ], "last_checked": "2026-10-18", "best_for": "Plans with up to 20 assets" }, { "id": "webull", "name": "Webull", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "No commission on US-listed stocks and ETFs (regulatory pass-through fees on sells)", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 1, "min_text": "Fixed amount: $1 to $25,000 per setting (dynamic amount: from $2)", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Every trading day (fixed amounts only), weekly, every two weeks, monthly", "fractional": true, "etf_autobuy": true, "ira_support": true, "auto_withdraw": null, "notes": "Mobile app only. Works in cash, margin, IRA and joint accounts. Only fractional-eligible securities; inverse/leveraged/volatility ETFs excluded from dynamic plans. Orders placed around 1:30 PM ET.", "sources": [ "https://www.webull.com/help/faq/10759", "https://www.webull.com/pricing" ], "last_checked": "2026-10-18", "best_for": "Every-trading-day buys" }, { "id": "sofi", "name": "SoFi Invest", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "Commission-free stock and ETF trading", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 5, "min_text": "$5 minimum for a Self-Directed account before funds are invested (recurring-specific minimum not stated)", "frequencies": null, "frequency_text": "You choose the frequency; options not listed on the help pages checked", "fractional": true, "etf_autobuy": true, "ira_support": null, "auto_withdraw": null, "notes": "Recurring investments require a fractional-eligible stock/ETF. Bank-funded recurring buys are capped by your instant funding limit; from SoFi Checking/Savings up to $250,000 per recurring buy. IRA support for recurring buys not confirmed on the pages checked.", "sources": [ "https://support.sofi.com/hc/en-us/articles/what-is-a-recurring-investment", "https://support.sofi.com/hc/en-us/articles/how-can-i-set-up-a-recurring-investment", "https://support.sofi.com/hc/en-us/articles/what-s-the-minimum-amount-to-invest", "https://support.sofi.com/hc/en-us/articles/are-there-any-fees-for-trading-stocks-and-etfs" ], "last_checked": "2026-10-18", "best_for": "SoFi Checking users" }, { "id": "m1", "name": "M1", "category": "etf", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 3, "fee_text": "Commission-free trading, but a $3/month Platform Fee (or $3 IRA Fee) unless you hold $10,000+ at M1 or have an active M1 Personal Loan", "spread_pct": null, "spread_text": "Not applicable / not published", "min_buy_usd": 25, "min_text": "Auto-invest triggers when cash is at least $25 above your chosen minimum", "frequencies": null, "frequency_text": "Cash-triggered: Auto-invest buys whenever $25+ of available cash builds up, rather than on a fixed buy schedule", "fractional": null, "etf_autobuy": true, "ira_support": true, "auto_withdraw": null, "notes": "Auto-invest is on by default and buys into your Pie, prioritizing the most underweight slices. The calculator adds the $3/month fee (not waived) to M1's yearly cost.", "sources": [ "https://help.m1.com/en/articles/9331969-how-much-does-it-cost-to-use-m1", "https://help.m1.com/en/articles/9332100-using-auto-invest-on-m1" ], "last_checked": "2026-10-18", "best_for": "Target-allocation pies" }, { "id": "strike", "name": "Strike", "category": "btc", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "0% on recurring purchases after the first week (weekly/monthly: from the 2nd purchase). Other buys: 0.89% and down by monthly volume.", "spread_pct": 0.22, "spread_text": "Targets an all-in spread of 0.22% (actual may be higher or lower)", "min_buy_usd": 0.01, "min_text": "$0.01 to $2.5M per buy, any mode", "frequencies": [ "hourly", "daily", "weekly", "monthly" ], "frequency_text": "Hourly, daily, weekly, monthly", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": true, "notes": "Bitcoin only. Auto-withdrawal sends your whole available balance once it hits a threshold between 0.01 and 5 BTC, with no fee. Personal accounts only for the fee waiver.", "sources": [ "https://strike.me/support/what-are-the-trading-fees/", "https://strike.me/buy/", "https://strike.me/faq/what-are-bitcoin-auto-withdrawals/" ], "last_checked": "2026-10-18", "best_for": "Hourly buys from $0.01" }, { "id": "river", "name": "River", "category": "btc", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "0% on recurring buys from day 8 (daily/hourly) or from the 2nd order (other frequencies); the first order pays the standard 1%", "spread_pct": null, "spread_text": "River says prices may include a spread; the size is not published on the fee page", "min_buy_usd": 10, "min_text": "Bank-funded: $0.25 hourly, $1 daily, $10 weekly/biweekly/monthly. From River cash: $1 for weekly and longer", "frequencies": [ "hourly", "daily", "weekly", "biweekly", "semimonthly", "monthly" ], "frequency_text": "Hourly, daily, weekly, bi-weekly, 1st and 15th, monthly", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": true, "notes": "Bitcoin only. Auto-withdrawal threshold from 0.005 BTC; network fee capped at 3% (waits until fees drop). Free automatic conversion of payroll direct deposits up to $30,000/month.", "sources": [ "https://support.river.com/hc/en-us/articles/50055900679315-What-are-River-s-fees", "https://support.river.com/hc/en-us/articles/50061352349715-What-are-recurring-buys", "https://support.river.com/hc/en-us/articles/50085216806163-What-are-bitcoin-auto-withdrawals" ], "last_checked": "2026-10-18", "best_for": "Most schedule options" }, { "id": "cash-app", "name": "Cash App", "category": "btc", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "0% fee on Auto Invest", "spread_pct": 0, "spread_text": "Spread-free on Auto Invest (Cash App's own fee page)", "min_buy_usd": 1, "min_text": "$1 minimum for Auto Invest", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Daily, weekly, every two weeks, monthly", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": null, "notes": "Market buys outside Auto Invest cost 0% to 2% depending on size, plus up to 0.75% spread. Free standard-speed bitcoin withdrawals (minimum 100,000 sats per the fee page). No automatic withdrawal feature found on the pages checked.", "sources": [ "https://cash.app/bitcoin/fees", "https://cash.app/help/us/en-US/31091-auto-invest" ], "last_checked": "2026-10-18", "best_for": "Lowest published cost" }, { "id": "coinbase", "name": "Coinbase", "category": "btc", "fee_pct": null, "flat_fee_usd": null, "monthly_fee_usd": 0, "fee_text": "Not published as a fixed rate. Coinbase says fees depend on payment method, order size, market conditions, location and asset, and are shown in the trade preview.", "spread_pct": null, "spread_text": "Simple buys include a spread shown in the order preview; size not published", "min_buy_usd": null, "min_text": "Not stated on the recurring-buys help page", "frequencies": [ "weekly", "semimonthly", "monthly" ], "frequency_text": "Weekly, 1st and 15th of the month, monthly", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": null, "notes": "Setting up a recurring buy also runs an immediate one-time buy for the same amount. You can't edit amount or frequency later; you cancel and recreate. Coinbase One can waive standard trading fees but not the spread (per Coinbase One disclosures; not re-verified).", "sources": [ "https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/how-can-i-create-or-cancel-a-recurring-transaction", "https://help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees" ], "last_checked": "2026-10-18", "best_for": null }, { "id": "kraken", "name": "Kraken", "category": "btc", "fee_pct": 1.0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "Fixed 1% trading fee on Instant Buy services, which include recurring purchases (waived for Kraken+ members on up to $10,000/month)", "spread_pct": null, "spread_text": "The price includes a spread; size not published", "min_buy_usd": null, "min_text": "Not stated on the recurring-orders help page", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Daily, weekly, biweekly, monthly", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": null, "notes": "Recurring orders are not available on Kraken Pro. Payment-method fees may also apply (card, Apple/Google Pay, ACH on app). The exact fee is shown on the final confirmation page.", "sources": [ "https://support.kraken.com/articles/recurring-orders", "https://support.kraken.com/articles/360060101312-faq-s-about-buying-instantly", "https://support.kraken.com/articles/360030303832-overview-of-fees-on-kraken" ], "last_checked": "2026-10-18", "best_for": "Kraken+ members" }, { "id": "gemini", "name": "Gemini", "category": "btc", "fee_pct": null, "flat_fee_usd": null, "monthly_fee_usd": 0, "fee_text": "Not published as a fixed rate. Gemini says fees vary by payment method, order size, market conditions, jurisdiction and asset, and are shown before you confirm.", "spread_pct": null, "spread_text": "Recurring orders include a spread in the quoted price; size not published", "min_buy_usd": null, "min_text": "Not stated on the recurring-buy help page", "frequencies": null, "frequency_text": "You choose a frequency; options not listed on the help page", "fractional": true, "etf_autobuy": false, "ira_support": null, "auto_withdraw": null, "notes": "Recurring buys are not available on ActiveTrader. The first order executes immediately when you confirm.", "sources": [ "https://www.gemini.com/fees/gemini-fee-schedule", "https://support.gemini.com/hc/en-us/articles/360020827411-What-is-a-recurring-buy" ], "last_checked": "2026-10-18", "best_for": null }, { "id": "swan", "name": "Swan Bitcoin", "category": "btc", "fee_pct": 1.0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "1% on buys (no buy fee on a new client's first $250). Fee is charged to your bank, not your bitcoin.", "spread_pct": null, "spread_text": "Not published on the fee pages checked", "min_buy_usd": 10, "min_text": "$10 minimum for all recurring plans", "frequencies": [ "daily", "weekly", "monthly" ], "frequency_text": "Daily, weekly, monthly (no hourly or biweekly)", "fractional": true, "etf_autobuy": false, "ira_support": true, "auto_withdraw": true, "notes": "Bitcoin only. Swan Safe custody costs 0.03% of balance per month, waived when bitcoin auto-withdrawal is enabled. Swan IRA available: 0.02% of assets per month, $20 minimum.", "sources": [ "https://help.swanbitcoin.com/hc/en-us/articles/360045394134-What-are-Swan-Bitcoin-s-fees", "https://help.swanbitcoin.com/hc/en-us/articles/4404293314327-What-are-the-frequency-options-for-recurring-purchasing-plans", "https://www.swanbitcoin.com/fees/" ], "last_checked": "2026-10-18", "best_for": "Bitcoin IRA" }, { "id": "robinhood-crypto", "name": "Robinhood Crypto", "category": "btc", "fee_pct": 0, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "No commission with default market-maker routing. Optional exchange routing charges 0.00%-0.95% by 30-day volume (taker 0.95% under $10K).", "spread_pct": 0.95, "spread_text": "Robinhood says it receives $0.95 per $100 from market makers and that amount is included in the spread, so the spread on default orders is at least about 0.95% (its own example shows 0.96%)", "min_buy_usd": null, "min_text": "Not stated on the recurring help page", "frequencies": null, "frequency_text": "Crypto recurring orders process around 5:30-7:00 PM ET; frequency options for crypto not listed separately", "fractional": true, "etf_autobuy": false, "ira_support": false, "auto_withdraw": null, "notes": "Recurring crypto orders are limit orders collared 1% above the last price, so they can be skipped in a fast move. Robinhood Crypto products are not available in Robinhood IRAs. The calculator uses the 0.95% spread floor for default routing.", "sources": [ "https://robinhood.com/us/en/support/articles/recurring-investments/", "https://robinhood.com/us/en/support/articles/crypto-order-routing/", "https://cdn.robinhood.com/assets/robinhood/legal/rhc-fee-schedule.pdf", "https://robinhood.com/us/en/support/articles/retirement-investing/" ], "last_checked": "2026-10-18", "best_for": "Existing Robinhood users" }, { "id": "public-crypto", "name": "Public (crypto)", "category": "btc", "fee_pct": 1.25, "flat_fee_usd": 0, "monthly_fee_usd": 0, "fee_text": "1.25% of the crypto order amount on recurring Investment Plan purchases (charged by zerohash)", "spread_pct": null, "spread_text": "Not published on the pages checked", "min_buy_usd": 1, "min_text": "Orders below $1 per asset in a Plan are not executed", "frequencies": [ "daily", "weekly", "biweekly", "monthly" ], "frequency_text": "Daily, weekly, biweekly or monthly", "fractional": true, "etf_autobuy": false, "ira_support": true, "auto_withdraw": null, "notes": "Crypto is executed and held by zerohash. Public's IRA page lists crypto among IRA assets; recurring crypto inside an IRA plan was not separately confirmed.", "sources": [ "https://help.public.com/en/articles/7260782-what-are-the-fees-for-investment-plans", "https://public.com/disclosures/investment-plans", "https://public.com/ira" ], "last_checked": "2026-10-18", "best_for": "Crypto inside a stock plan" } ] }