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An investment service built for
retiring comfortably. lowering fees. dreaming big. saving time. unpredictable markets.

Over 175,000 customers invest more than $5 billion with Betterment.

Start your investment plan
I am years old and
  • Not Retired
  • Retired
My annual income is .

We invest your money in low‑cost index funds.

We invest your money in a globally diversified portfolio of low-cost index funds and give you personalized financial advice – all at a fraction of the cost of traditional financial services.

We believe in passive investing, which means taking on the right level of risk for your time horizon, and letting our advanced algorithms do all the work.

See how our fees compare

Personalized financial advice.

  • Take on the Right Level of Risk

    Based on your time horizon, we'll tell you how to allocate your money across stocks and bonds so your portfolio is properly adjusted for risk.
  • Know How Much to Invest

    We'll tell you how much to deposit each month based on the total amount you want to invest, whether it's for retirement, a major purchase, or simply to build wealth.
  • See How Much You’re Losing to Fees

    You can securely sync your outside investments to Betterment. This lets you see your total net worth, and how much you're losing to fees and idle cash.

Experts are behind every choice we make.

Whether it's the research and evaluation done by our investment professionals, or the dedicated care of our world-class customer support specialists, the people behind our technology make all the difference. We're available 7 days a week via phone, email, or live chat.

Meet our team of experts

Dan Egan

Director of Behavioral Finance & Investing

  • Lower Taxes

    We'll show you how your actions impact your taxes, and even help you take advantage of advanced tax strategies, usually only available to a select few.

  • Smarter Automation

    With our suite of automated tools — such as SmartDeposit, RetireGuide, and Auto-Deposit — we make optimal use of every cent you invest.

  • Total Control

    We provide personalized advice, but you decide what's right for you. We charge no transaction fees, and there are no restrictions on withdrawals.

We care about security as much as you do.

We manage more than $5 billion for our customers. And the press has noticed.

Start your investment plan
I am years old and
  • Not Retired
  • Retired
My annual income is .