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Turn spare change into investments.

Round up everyday purchases and invest the difference in stocks and ETFs you choose.

How it works

Investing involves risk, including loss of principal.

How investment round-ups work.

  1. Choose your investment.

    Select an eligible stock or ETF for your investment round-ups.

  2. Spend as usual.

    Seed tracks eligible purchases from supported linked accounts and calculates the difference to the next dollar.

  3. Invest each $5.

    When round-ups reach $5, an authorized transfer funds your brokerage account. Once funds are available, the investment order is submitted.

Calculated
Round-ups are counted from your purchases. No money moves yet.
Transferred
At $5, an authorized bank transfer funds your brokerage account. Transfers take time to settle.
Invested
The order is submitted once funds are available, and shows as invested when it completes.

Your investments, your control.

Investing is fractional, so $5 can buy part of a share. You own a slice of a stock or ETF that costs more than you invest.

  • Eligible stocks and ETFs

    Choose from the stocks and ETFs eligible in Seed.

  • Add more

    Invest money beyond your round-ups.

  • A monthly limit

    Set the most you contribute each month.

  • Pause anytime

    Stop future investment round-ups.

  • Holdings and cash

    View your holdings, sell investments and withdraw available cash.

Give to a cause. Invest for yourself.

Giving and investing have separate enrollment, instructions and balances. Existing donation round-ups are never redirected without your instruction.

Giving

Donations support the organization you choose.

Investing

Investments belong to you and can rise or fall in value.

Questions.

How do investment round-ups work?

Seed rounds eligible purchases from supported linked accounts up to the next dollar and keeps count. At $5, an authorized transfer funds your brokerage account, and the order for your chosen stock or ETF is submitted once funds are available.

Can I add money manually?

Yes. You can invest more than your round-ups. Added money also moves by authorized transfer before it’s invested.

Can I pause round-ups?

Yes. Pausing stops future investment round-ups. Transfers or orders already processing may still complete.

How do selling and withdrawals work?

You can sell investments and withdraw available cash to your bank. Withdrawals require available cash and are subject to settlement, deposit holds and bank processing.