Free for 90 days: Sign up now and get 90 days managed free after your first deposit. See offer details

Coming soon: our new one-on-one advice packages. Learn more

Now available: our new one-on-one advice packages. Learn more

Get your entire Smart Saver balance managed free for 3 months. Enroll today

Get your entire Smart Saver balance managed free for 6 months. Enroll today

Introducing Smart Saver: You could earn 1.83% with our low-risk investing account for your extra cash.* Learn more

Bar graph showing that the Smart Saver yield is much higher than the national average for a savings bank

Introducing Smart Saver

You could earn 20X* more than a typical savings account with our ultra-low-risk investing solution for your unused cash.

Learn more

* See disclosure page

Betterment is an online financial advisor built for people who refuse to settle for average investing. People who demand better. People like you.

Betterment is an online financial advisor built for people who refuse to settle for average investing. People who demand better. People like you.

We'll learn a bit about you.

Where are you in your financial life and what are you investing for? Dream vacation? Down payment? Nice little retirement?

We'll build you a portfolio.

Based on your answers, we'll recommend an investing plan and use our technology to build you a personalized portfolio.

Then, we put our magic to work.

And we keep working. Once we get you set up, we'll manage your portfolio with tax-smart technology.

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.

Earn more with Smart Saver

Our ultra-low-risk investing solution could earn you a 1.78%* annual return, after fees.

Withdraw with ease

If you need your cash, you can move it back to your linked bank—just like your other accounts.

Dive into the details

Learn more about our ultra-low-risk investing solution.

Technology to help you make more from your investments.

Our experts take sophisticated investing strategies and use modern, tax-smart technology to make them better.

Unlimited advice to help you make smart decisions.

Our platform provides ongoing guidance that grows with you and your money. When you have questions, you can chat with our licensed financial experts.

Personalized portfolios built to help you invest the way you want.

Each of our portfolio strategies is designed to help you earn better returns at different risk levels. And each strategy can be customized to your desired risk level.

Betterment investing app on laptop and phone

Satisfaction guaranteed.

At Betterment, our passion is your investing experience. If you ever feel we've missed the mark, let us know. We'll do everything we can to make it right.

Advice you can trust.

As your fiduciary, we're required to make recommendations in your best interest. (And we wouldn't have it any other way.)

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Experience the new way of investing. Sign up today.

Start investing smarter

Get started

Refer a friend or family member and get up to 1 year managed free

Refer a friend

We're a new kind of investing company.

Traditionally, people have spent too much time or money managing their investments to help them reach their life goals. We take sophisticated investing strategies, modern technology and personalized guidance to help you make more of your money.

What we offer
Betterment investing app on laptop and phone

On average our investing principles can increase returns by 2.66% when compared to the typical investor.

Our mission is to help our customers maximize their money.

Whether you're new to investing or a seasoned pro, Betterment does what is right for you and your money. On average, our investing principles can increase returns by 2.66% when compared to the typical investor.

Why Betterment?

Satisfaction guaranteed.

At Betterment, our passion is your investing experience. If you ever feel we've missed the mark, let us know. We'll do everything we can to make it right.

You pay one low, annual fee.

Worried about hidden costs? Nowhere to be found. No matter who you are, you get everything for one low, transparent fee of 0.25% (4X lower than what you'd typically pay for advice).

How does it work?

01

We'll learn a bit about you.

Where are you in your financial life and what are you investing for? Dream vacation? Nice little retirement?

02

We'll build you a portfolio.

Based on your answers we'll recommend an investing plan designed for your risk tolerance and time horizon.

03

Then, we put our magic to work.

And we'll keep working. Once we get you set up we'll manage your portfolio with our tax-smart technology.

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Experience the new way of investing. Sign up today.

Start investing smarter

Get started

Refer a friend or family member and get up to 1 year managed free

Refer a friend

Betterment has made a name for itself among US retail investors.

- Financial Times

It's hard to overestimate the broader impact Betterment has had on financial advice in the U.S.

Barron's

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.

When deciding whether to roll over a retirement account, you should carefully consider your personal situation and preferences. The information on this page is being provided for general informational purposes and is not intended to be an individualized recommendation that you take any particular action. Factors that you should consider in evaluating a potential rollover include: available investment options, fees and expenses, services, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock. Before deciding to roll over, you should research the details of your current retirement account and consult tax and other advisors with any questions about your personal situation.

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