Change Investing: Invest in US Stock Market with Savings Discipline. Invest now!

See what people are saying about change investing

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As a frequent shopper, I use my card often. Change investing has been a saviour, where I get to save each time I shop. Would recommend this product to all millennials. Save while you shop!

Appreciate Wealth User

Creative Director

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Appreciate has changed my entire outlook towards investing. Never thought that tiny investments could make one of my dreams come true. Appreciate has given me a new way to look at change and make it grow.

Appreciate Wealth User
Siddhi Kale

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How it works

Start Change Investing, even with just Rs 5!!

Whether you spend Rs. 35 or Rs. 935, we will round up your transaction and invest your change. Bringing you closer to your dreams and goals.


AI Enabled Higher Returns

Small investments. Large returns.

Add up to Rs.1,000 per month towards your investment portfolio just by rounding up your transactions. That Rs.1,000 could become lakhs of rupees over time!

Global investing, higher returns
  • Daily micro-savings and tools to maximize disciplined savings, every day!!
  • Access to US market that offers higher returns
  • AI enabled portfolio recommendations - hassle free investment decision making for you
  • Automated rebalancing and portfolio management - you can rest easy
Global investing, higher returns

Value for Money

Easy, one click,
low cost - for everything

Over the past decade, the US S&P Fortune 500 companies have outperformed the BSE/NSE by over 20%. We ensure you can access this market easily, with no friction and at a low cost.

Zero Commission, no minimum investment, no subscription fees

Zero Commission, no minimum investment, no subscription fees

One click investing that’s seamless & hassle free

One click investing that’s seamless & hassle free

Complete transparency with no hidden fees

Complete transparency with no hidden fees

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Safe, Secure, Trustworthy - Everytime.

Whether you’re buying, selling or browsing — at Appreciate we take your security very seriously. Your money is safe with us because:

Safe, Secure, Trustworthy - for everytime
  • - Gold standard KYC to authenticate your account
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - 24/7 monitoring of all activity
  • - Industry best practice encryption in place
  • - Stringent security measures
  • - Insurance available from the Securities Investor Protection Corporation --- an US government agency
  • - Insurance available to safeguard your portfolio, held in the US by Appreciate's clearing partner Drivewealth, in case of bankruptcy or any other systemic failure

Note: Insurance not available to protect against trading losses that may be incurred.

  • - We are compliant with all relevant FEMA, RBI and investment regulations
  • - We, and our partners, are compliant with relevant US regulations, so your investments stay protected
  • - Seasoned operating team that has security and safety as its top concern
  • - Deep experience in Financial Services and E-commerce

Frequently asked questions

You can choose the amount that you want to round up to and we use your transaction history via SMS to track and round up to the amount to what you have set. So every time you spend using any of your linked cards or wallets, we will round it up to the amount set by you and withdraw the change from your linked bank account and invest it. This small amount will add up over time and you wouldn't even know the difference on day to day basis. For example, if you buy groceries for Rs 95, we will round-up to Rs 100, and invest Rs 5 towards your goals. We believe this helps you save and invest in a disciplined manner and makes saving and investing hassle free and easy - every day!


Why you should choose appreciate

  • Global Investing, Higher Returns - for Everyone
  • Investing Solutions- for Every Need
  • Easy, One Click, Low Cost- for Everything
  • Learn How and When to Invest- Everyday
  • Safe, Secure, Trustworthy - Everytime