Stash review

Stash bundles fractional investing into a broader money app, and its price reflects that. There is one plan, The Stash Plan, at $12 a month or $108 a year billed annually, covering a personal brokerage account with fractional shares of thousands of stocks and ETFs, a retirement account, a Smart Portfolio, banking, an AI money coach and personalized advice. The plan adds a 3% match on monthly IRA contributions, a $10,000 life insurance policy and the Stock-Back Card, which earns stock on qualifying purchases up to a $10 monthly cap. For someone who only wants to buy slices of stocks, the $12 fee costs $144 a year, which is more than every other broker here, where commissions are $0. Smart Portfolios of $1,000 or more also carry a 0.25% yearly advisory fee. Stash makes sense only if you will use the advice, IRA match and banking features.

Who it is for

beginners who want advice and banking in one subscription

Price

$12 a month for The Stash Plan, or $108 a year billed annually.

Stash offers one simple plan, The Stash Plan, for $12/month.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Fractional shares of thousands of stocks and ETFs
• Personal brokerage account, retirement account and Smart Portfolio
• 3% match on monthly IRA contributions
• Stock-Back Card that earns stock on purchases
• $10,000 life insurance policy and personalized financial advice

Strengths and weaknesses

• Strength: One plan bundles investing, retirement, banking and advice
• Strength: No banking overdraft charges
• Strength: Stock-Back rewards on card spending
• Weakness: $12 monthly fee is the highest on this list
• Weakness: Smart Portfolios of $1,000 or more add a 0.25% yearly advisory fee
• Weakness: Stock-Back rewards are capped at $10 per month before dropping to 0.125%

Key facts

• Plan price: $12 a month or $108 a year
• IRA match: 3% on monthly contributions
• Managed fee: 0.25% a year on Smart Portfolios of $1,000+
• Life insurance: $10,000 policy included

Where it ranks

Stash is No. 10 in our Best Fractional Share Brokers verdict.