How to Invest 100 Dollars

You can build real wealth starting with a small sum of money and without falling for get-rich-quick scams.

By Matthew Frankel, CFP – Updated Aug 15, 2025 at 8:42 PM | Fact-checked by Frank Bass

Key Points

Investing with $100 is feasible using apps, emergency funds, or robo-advisors.
Consider index funds or fractional shares for diversified, low-effort portfolio growth.
Enhance retirement savings by contributing to a 401(k) or opening an IRA.

Investing can change your life for the better. But there's a common misconception is that you need thousands of dollars just to get started. That's not the case.

With the emergence of low-cost investing apps, you can start investing with $100 or even less. In this article, we'll show you how.

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An infographic showing six different ways to invest $100. — Image source: The Motley Fool.

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The most important step in investing is just to get started. And this is true no matter how large or small your investment dollars are at the beginning.

In this article, you'll learn six great ways to invest with just a hundred dollars -- or even less. By putting your money to work, you'll be well on your way toward long-term financial independence.

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Savings Account

A savings account is an account that earns interest with a financial institution.

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Don't wait to invest

If you've been holding off on investing, don't wait any longer. Take your $100 and pick one -- or more -- of these six ways to put it to work. You'll be surprised at the difference it will make in the long run.

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About the Author

Matt Frankel, CFP, is a contributing Motley Fool stock market analyst and personal finance expert covering financial stocks, REITs, SPACs, and personal finance. Prior to The Motley Fool, Matt taught high school and college mathematics. He holds a bachelor’s degree in physics from the University of South Carolina, a master’s degree in mathematics from Nova Southeastern University, and a graduate certificate in financial planning from Florida State University. He won a SABEW award for coverage of the 2017 Tax Cuts and Jobs Act. He is also regularly interviewed by Cheddar, The National Desk, and other TV networks and publications for his financial, stock market, and investing expertise.

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@MattFrankelCFP

Matt Frankel has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.