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Betterment

Save, invest, retire

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Offering a 401(k) has never been easier

Betterment simplifies your plan administration, making it easy for you to offer your employees a better 401(k) in only a few minutes—all for a fraction of the cost of most providers.

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Offering a 401(k) has never been easier

Betterment simplifies your plan administration, making it easy for you to offer your employees a better 401(k) in only a few minutes—all for a fraction of the cost of most providers.

Get started

Betterment’s mission is simple: to empower people to do what’s best for their money so they can live better.

Betterment 401(k) plans allow employers to get up and running fast, easily maintain their plan, and help their employees prepare for retirement—all while keeping costs low.

  • Low cost

    Lower costs mean more money for you and your employees—savings that can add up over time.

  • Easy to set up and maintain

    Our guided onboarding gets your plan up and running quickly, and our simplified administration makes your plan easy to maintain.

  • Integrated financial picture

    Our intuitive Betterment investment platform ensures that employees can get advice on all of their financial goals—in one place.
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Betterment by the numbers.

  • $22 billion in assets

  • 460,000+ investors

  • 16% higher contribution rate*

  • 15% more value over 30 years**

*On average, employees saving with Betterment 401(k)s save 16% more than the 6.4% national average. Reported by the Plan Sponsor Council of America.


**Investors with a Betterment 401(k) and a retail account who use Betterment’s Tax-Coordinated Portfolio can expect an average annual increase of 0.48% in after-tax returns, which amounts to approximately 15% more over 30 years.

Ready for a better 401(k) plan?

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