The money basics nobody taught you
The money basics nobody taught you
The money basics nobody taught you
Three money basics, explained in plain English. No fancy words. No finance degree needed. This takes about five minutes.
Three money basics, explained in plain English. No fancy words. No finance degree needed. This takes about five minutes.
1
Know where your money goes
Know where your money goes
Investing for retirement
easier than ever
1. Download the Beanstox App and set up your account in minutes.
2. Select an IRA to start
3. Choose which IRA you want to start with. You can set up both!
4. Automate contributions with weekly, bi-weekly and monthly recurring options.
5. We handle the rest, keeping your investments on track.
Step one to keeping more of your money is simple: know where it goes. Most people are shocked when they add it up. A few coffees here. A couple deliveries there. Suddenly $200 is gone and you're not sure how.
A budget is just a plan for your money:
Write down what comes in (your paycheck).
Write down what goes out (rent, gas, food, fun).
When you can see it, you can control it.
Way 1: The good old budget
Way 1: The good old budget
Grab a free worksheet and fill it in. The government made a simple, no-cost guide that walks you through it step by step.
Grab a free worksheet and fill it in. The government made a simple, no-cost guide that walks you through it step by step.
Grab a free worksheet and fill it in. The government made a simple, no-cost guide that walks you through it step by step.
Way 2: Let an app do the work
Way 2: Let an app do the work
A simple app that shows where your day-to-day spending went, guides you with just one number each day, with no spreadsheets or math needed. That one number tells you if you're on track. Check out the CashTrax App brought to you by the same team that brings you Beanstox.
A simple app that shows where your day-to-day spending went, guides you with just one number each day, with no spreadsheets or math needed. That one number tells you if you're on track. Check out the CashTrax App brought to you by the same team that brings you Beanstox.
2
How money grows on its own
How money grows on its own
Investing for retirement
easier than ever
1. Download the Beanstox App and set up your account in minutes.
2. Select an IRA to start
3. Choose which IRA you want to start with. You can set up both!
4. Automate contributions with weekly, bi-weekly and monthly recurring options.
5. We handle the rest, keeping your investments on track.
When you invest money, it can earn a little extra over time. That extra is called a return (could be interest, stock returns, etc.). With compound returns, you earn two ways:
You earn on the money you put in.
You also earn on the returns you already earned.
Think of a snowball rolling downhill. It starts small. Then it picks up more snow, and more, and more. Your money can work the same way to grow over time.
3
An easy way to invest
An easy way to invest
Investing for retirement
easier than ever
1. Download the Beanstox App and set up your account in minutes.
2. Select an IRA to start
3. Choose which IRA you want to start with. You can set up both!
4. Automate contributions with weekly, bi-weekly and monthly recurring options.
5. We handle the rest, keeping your investments on track.
Picking the "right" stock is hard. Even the pros can get it wrong. So here's a simpler idea that a lot of people use: an ETF index fund.
One company can rise or fall on its own.
An ETF index fund can hold a tiny slice of hundreds of companies at once.
One popular example follows the S&P 500, which includes 500 of the biggest U.S. companies.
So instead of betting on one company, you're spread across many. It's a hands-off way to invest and you don't need to be an expert.
The bottom line
The bottom line
You don't need to be rich or a math whiz to get a handle on your money.
Your challenge
Your challenge
Set up a $40-a-week recurring deposit into a Beanstox investment account (or another amount you're comfortable with). Try it for a few weeks, then report back to us. Did you actually feel it go missing?
More likely than not, you won't feel a thing. But you may start to feel your wealth growing. And if you do feel the pinch? No pressure, you can always just put it on hold.
Then challenge a friend to do the same. Check in with each other. See who sticks with it. The hardest part is starting, so start small and start together.
Learn with Beanstox
Learn with Beanstox
Money School Top 10 Lessons
Money School Top 10 Lessons
Money School Top 10 Lessons
Read More →
Read More →
Read More →
Investing in Your 20s
Investing in Your 20s
Investing in Your 20s
Read More →
Read More →
Read More →
Investing in Your 30s
Investing in Your 30s
Investing in Your 30s
Read More →
Read More →
Read More →
Investing in Your 40s
Investing in Your 40s
Investing in Your 40s
Read More →
Read More →
Read More →
Get Started
Get Started
Beanstox makes automated investing easy, designed for the 100 million Americans not yet investing and others who want simplicity. Created by Kevin O’Leary, Chairman & co-owner, and the Beanstox team.
Beanstox makes automated investing easy, designed for the 100 million Americans not yet investing and others who want simplicity. Created by Kevin O’Leary, Chairman & co-owner, and the Beanstox team.
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 03/31/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of March 31, 2026: traditional US Savings Account Rate: 0.39% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.55% (as of 4/16/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of March 31, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 03/31/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of March 31, 2026: traditional US Savings Account Rate: 0.39% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.55% (as of 4/16/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of March 31, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved
Check Out the Beanstox App
Invest without stress. Easier than a walk in the park. No stock picking, no market timing and no experience needed.
Legal
Developers
Unless indicated differently, data is as of 03/31/2026.
*Disclosures
Beanstox does not provide tax, legal, accounting, budgeting, credit score, or banking advice. The information provided is for informational purposes only and is not intended to constitute such advice. Readers are encouraged to consult with their personal tax, legal, and accounting professionals for specific guidance.
** Open a Traditional IRA with Beanstox and boost your federal tax refund by up to $22 for every $100 you contribute by April 15, 2027 (or up to $1,540 assuming 22% on the maximum contribution of $7,500).
1. Pricing: Learn About Pricing.
2. Power Savings: As of March 31, 2026: traditional US Savings Account Rate: 0.39% (YCharts); T-Bill yield: 3.57% (YCharts); comparison based on 3.55% (as of 4/16/2026), the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF's expenses. There are no assurances that this yield will be sustainable in the future. This product invests in one or more ETFs. Results may vary due to expenses and other factors.
3. Stocks 500: Where applicable, as of March 31, 2026, S&P 500 return assumes an initial $1,000 investment, 40-year annualized return of 10% (Source: Bloomberg Finance LP). It is not possible to invest directly in an index. This product invests in an ETF aiming to track the S&P 500’s performance. Results may vary due to expenses and other factors. Returns before ETF fees. Diversification is not a guarantee of profit or protection against loss.
4. Wealth Builder: Saving $400/month over 40 years, but not investing and assuming no interest accrual, would accumulate $192,000; however, investing the same $400/month, could add up to over $1 million over the same period of time. This projection illustrates a hypothetical example of compounding over time, based on an investment of $400 per month for 40 years with an assumed annualized returns of 8% or more, compounded monthly, assuming the funds stay invested throughout the investment period.
5. All corporate logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.
6. App store rating is as of 03/31/2026, and is based upon all ratings and reviews received by Apple App Store and Google Play Store (collectively, the “App Stores”) submitted since the Beanstox app was available on each App Store. Current rating can be found on Beanstox’s app preview in each App Store and is subject to change. App Store rating is generally calculated and generated by each App Stores based on the average of all total Beanstox app ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Beanstox client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
7. Beanstox Bitcoin is a self-directed portfolio and should not be considered to be a recommendation. Investing in digital assets, such as Bitcoins, is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Although exposure to Bitcoin can help further diversify your investment portfolios for the long-term, digital assets investments carry significant risk! Generally, you may want to consider limiting your digital assets allocation to no more than 5% of your investments. Even today, while Cryptocurrency is gaining a more prominent currency position, it’s still considered a highly volatile investment. Beanstox does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the iShares Bitcoin Trust ETF. This is considered a high-risk investment given the speculative and volatile nature of digital assets. Investing involves risk including the loss of principal.
8.Beanstox Gold is a self-directed portfolio and should not be considered to be a recommendation. Investing in commodities, such as gold, is speculative and can be volatile, and may only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Although exposure to gold can help further diversify your investment portfolios for the long-term, commodities carry significant risk. Generally, you may want to consider limiting your commodities allocation to no more than 10% of your investments. Beanstox does not provide access to invest directly in gold. Beanstox’s gold exposure is provided through the iShares Gold Trust. This is considered a high-risk investment given the speculative and volatile nature of commodities. Investing involves risk including the loss of principal.
New Products: We are excited about the development of new products, although there are no assurances that these products will be implemented or offered to Beanstox App users, or that final details on how the products will be offered will not differ from those currently contemplated.
Beanstox Inc. (“Beanstox”) is an SEC registered investment adviser and has arranged for brokerage services to be provided by DriveWealth LLC., a registered broker-dealer and member of FINRA/SIPC. DriveWealth is not affiliated with Beanstox.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and risk tolerance levels and Beanstox’s charges and expenses. The information provided herein is for illustrative purposes only and does not constitute personalized investment advice, recommendations or solicitations to hold, buy or sell any investment or security of any kind. Beanstox’s internet-based advisory services are designed to assist clients in achieving investment goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2A and Part 3 CRS and other disclosures.
All images and return figures shown are for illustrative purposes only and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market conditions. Past performance does not guarantee future results. Google Play and the Google Play logo are trademarks of Google, Inc. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.
Our site uses cookies and other similar technologies so that we can remember you and understand how you and other visitors use our site. Please see Beanstox Privacy Policy for more information.
© 2026 Beanstox Inc.
Copyright © 2026 Beanstox. All Rights Reserved