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

Earn more with Smart Saver

Our ultra-low-risk investing solution could earn you a 2.00%^* 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.

Hello, Investor

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

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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.

Experience the new way of investing. Sign up today.

Download the Betterment app on the App Store

Start investing smarter

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

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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).