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

We manage your financial life
 so you can live better.

Financial advice. Investment management. Customer service.

Someone had to reinvent investing,
so we created Betterment.

Focused on lower taxes, lower fees, and higher returns.

Get Started

Planning to invest $100,000 or more? Speak with a licensed expert. Learn more.

Start your investment plan
I am years old and
  • Not Retired
  • Retired
.
My annual income is .
Focused on lower taxes, lower fees, and higher returns.
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

Betterment is a new kind of investment service.

Our experts have built technology that makes it easy to know what to do with your money. We recommend everything from how much money to invest to the type of account that's right for you.

Then, we do it all for you. We invest your money in a portfolio we've built for you, and manage it over time so that you don't have to.

See how our fees compare

Betterment is a new kind of investment service.

Our experts have built technology that makes it easy to know what to do with your money. We recommend everything from how much money to invest to the type of account that's right for you.

Then, we do it all for you. We invest your money in a portfolio we've built for you, and manage it over time so that you don't have to.

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.

Experts are behind every choice we make.

Our technology is what makes Betterment better – we believe it's simply the best that's available today. But we also have industry experts with decades of experience who guide everything we do, from the tax tools we build to the funds we choose for our portfolio.

Meet our team of experts

Dan Egan

Director of 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 $6 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 .