Accruu monitors your social media usage and transforms excessive scrolling into automated micro-investments. Build a real portfolio, one intervention at a time.
Join the WaitlistAccruu turns a negative behavior into a wealth-building routine. No willpower required — just math and incentives.
Choose your daily screen time goals and which apps to monitor. Accruu uses your device's native Screen Time API to track usage privately, on-device.
When you exceed your daily threshold, Accruu's Shield activates. You choose: invest a micro-amount into a real ETF, or wait through a cooldown timer before scrolling again.
Every investment buys real fractional shares in diversified funds like VTI, VOO, and SCHD. Your portfolio grows with every intervention. Small amounts compound into real wealth.
Every feature is built around one idea: make the right financial choice the easy choice.
Every micro-investment buys actual fractional ETF shares through an SEC-registered broker-dealer. This is your money, in your brokerage account, growing in the real market.
Tell us your screen time reduction goal and timeline. Accruu generates a personalized roadmap with milestones, tracking your progress from day one.
Choose from VTI (total US market), VOO (S&P 500), SCHD (dividends), BND (bonds), and VXUS (international). Diversification built into every investment.
Screen time data is processed on your device using native iOS and Android APIs. Accruu never sees which apps you use or what content you view.
Accruu's behavioral engine learns your patterns and adjusts intervention timing and amounts to maximize both screen time reduction and investment consistency.
From onboarding to your hundredth investment, everything happens inside the Accruu app. No external logins, no switching between apps, no friction.
Built on regulated financial infrastructure with bank-grade security at every layer.
Brokerage services provided by an SEC-registered, FINRA/SIPC member broker-dealer.
All data encrypted at rest (AES-256) and in transit (TLS 1.2+). Your information never travels unprotected.
Accruu doesn't store your SSN, bank credentials, or sensitive identity data. That's handled by our regulated partners.
Screen time monitoring happens locally on your device. Your app usage data never leaves your phone.
Accruu is launching soon on iOS. Be among the first to transform your screen time into a growing investment portfolio.
Request Early Access