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Investing Made Better

We are the largest automated investing service. We help people to better manage and grow their wealth through smarter technology for a fraction of the cost of traditional financial services.

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Over 100,000 customers invest more than $2.5 billion with Betterment.

Start Your Investment Plan

I am years old and
  • Not Retired
  • Retired
My annual income is . I am
  • Not new
  • New
to investing.

How does Betterment work?

  • 1. Get Advice

    Tell us about yourself and we'll start recommending an investment plan. You can customize this at any time.

  • 2. Invest

    Fund your account, and we'll invest your money in a globally diversified, low-cost portfolio of ETFs.

  • 3. Relax

    Relax, and join the 100,000+ other investors who have made the smart decision to let us handle the rest.

Stop losing money to fees.

Investment management fees have traditionally been around 1.0% a year. Our smarter technology allows us to offer a lower fee structure, leaving you with more money to invest.

Account Balance


Traditional account fee


at 1% annually
Betterment Fee


at 0% annually

$100/mo auto-deposit required for 0.35% fee.
Otherwise, your cost is a flat $3/mo.


of potential savings over 20 years

How did we get this number? X

After 20 years, a $x investment with annual fees of 1% will be worth $x, while a Betterment account with annual fees of x% will be worth $x, assuming an effective annual return of 7% for both.

  • Build Wealth

    Invest in a diversified portfolio of stock and bond ETFs designed for optimal expected returns.

    Our Portfolio
  • Save Time

    Everything is automated – from rebalancing to dividend reinvestment, even deposits.

    Why Betterment
  • Save Money

    Our customers pay one simple all-inclusive management fee as low as 0.15%

    Our Pricing
  • Lower Taxes

    We optimize investment returns tax-efficiently, with Tax Loss Harvesting+ and other tools.

    Tax-Efficient Investing

We support the following account types:

  • Individual

  • Joint

  • Trust

  • Traditional, Roth,
    & SEP IRAs

  • IRA, 401(k) &
    403(b) Rollovers

Your security is our top priority.

  • Bank-level Protection

    We use the strongest browser encryption available to protect the privacy of your personal information.

  • Member of SIPC

    Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

  • Online Security

    We work around the clock to guard your account from unauthorized activity and ensure your data is always safe.

Tell us about yourself to see our advice.

Once we learn more about you, we will recommend
a plan of personalized financial goals.

Tell us about yourself
Ready to see our advice?
I am years old