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inaam vs raiz.

Raiz invests your spare change into a ready-made portfolio. inaam is one impact fund where you customise the themes and can read every company by name. Here is how the two differ, in each provider’s own numbers.

get the app the full side by side

Sign-up happens in the app. The subscription is $10 a month, $120 a year. The minimum to invest in the fund is $100.

a magnifying glass held over a fund report

asked and answered

the short answer

Raiz is a micro-investing app. It rounds up your everyday purchases and invests the spare change, alongside any regular or lump sum deposits, into a preset portfolio. You can start with $5. It charges a monthly fee by plan: $2.50 on Lite, from $5.50 on Regular and from $6.50 on Plus, with 0.275% a year added on larger balances.

inaam is an impact investing app built on one registered fund. You customise five impact themes, the fund picks companies against three published pillars, and every company it holds is named in the app. The subscription is $10 a month whatever your balance, and the minimum to invest in the fund is $100.

So the choice is mostly about what you want the app to do. Raiz is built to get small amounts invested with as little thought as possible. inaam is built so you can see what your money owns and say where it is aimed.

side by side

inaam and raiz, line by line

Every figure is the provider’s own published number, read on 6 October 2026, and each one links to the page it came from.

	inaam	raiz
what it is	impact investing app	micro-investing app
minimum to start	$100into the fund. The subscription is a separate number.	$5per its fee page
what you pay	$10 a monthflat. $120 a year, whatever your balance.	$2.50 to $6.50 a monthby plan. 0.275% p.a. above $26,000 on Regular. Per its published fee schedule
the fee stays the same as you grow	yes. always. Ten dollars does not move.	partly. up to $26,000 on its Regular plan
you choose what your money backs	yes. you rank the five impact themes, and the money follows	partly. preset portfolios, or your own mix of shares and ETFs on its Plus plan. Per its plans page
picked for impact, or only screened	yes. actively picked against three published pillars	no. one socially responsible option, Emerald
every company you own, by name	yes. in the app, any time. 23 of them today.	partly. the funds in your portfolio

Every figure about Raiz is its own published number, read on 6 October 2026 from Raiz’s fees page. Product terms change, and each provider’s current PDS or product page is the authority on its own product. inaam is not affiliated with any provider named here, and nothing on this page is a recommendation about anyone else’s product. Returns are left off this page. The full side by side carries them, with the period each one covers.

in plain words

where the two differ

how the money gets in

Raiz rounds up your purchases and sweeps the spare change in, and it takes deposits too. With inaam you invest $100 or more at a time, as a lump sum or on a schedule you set.

what you pay as you grow

Raiz charges by plan, and adds 0.275% a year above $26,000 on Regular and above $28,000 on Plus. inaam stays at $10 a month. On a small balance a flat amount is a large share of it, and the fee calculator shows the maths at your balance.

an ethical option, or the whole fund

Raiz has Emerald, its socially responsible portfolio, among the eight preset portfolios on its Regular plan. At inaam the whole fund is picked for impact.

what you can see

Raiz shows the funds in your portfolio. inaam names every company the fund holds, with the reason it is there.

before you pick

who each one suits

gold coins, the spare change a round-up app invests

micro-investing app

who raiz suits

Raiz suits someone who wants spare change invested without thinking about it. A round-up app does that better than we do.

five coloured bars, one for each impact theme

impact investing app

who inaam suits

inaam suits someone who wants the picking done for them, wants to read what they own, wants to say which themes the money is aimed at, and is investing for three to seven years. The fund’s target market determination says it has not been designed for anyone who needs access to their capital at short notice, or who is risk-averse and not in a position to tolerate a capital loss.

inaam vs raiz, quick answers.

is inaam or raiz cheaper?

It depends on your balance and the Raiz plan you pick. Raiz charges $2.50 a month on Lite, from $5.50 on Regular and from $6.50 on Plus, and adds 0.275% a year on larger balances. inaam charges $10 a month whatever your balance, plus a buy-sell spread of 0.1% when you invest and when you leave. Work out the yearly total at your own balance from each provider’s current fee page.

does raiz have an ethical portfolio?

Yes. Emerald is Raiz’s socially responsible portfolio. At inaam the whole fund is picked for impact across five themes, and members customise those themes.

what is the minimum to start with raiz and with inaam?

Raiz publishes a $5 minimum. The minimum to invest in the inaam fund is $100, and the $10 a month subscription is a separate amount.

can i hold raiz and inaam at the same time?

Yes. They are separate products from separate providers, and holding one does not affect the other. Whether either suits you depends on your own circumstances.

where to next

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General information only. It does not take your objectives or circumstances into account. Consider the PDS and TMD, and we recommend independent advice, before investing.

read the method before you pick.

The screen, the holdings and the costs are all published. Read them, ask anyone else the same questions, then decide.

see how it works get the app

the only asterisk* of investing with inaam is a better planet.

The fund lives in the app. Download it, read it over a coffee, customise your themes.

download on theapp store get it ongoogle play

General information only. Consider the PDS and TMD before investing.