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 moreBetterment 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're on a mission to help you make the most of your money.
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.
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 startedRefer a friend or family member and get up to 1 year managed free
Refer a friendYou pay one low, annual fee.
No hidden fees. No additional trading and transfer fees. What you see is what you pay. If only everything in life were this simple. See details
Annual Fee
or about $25/year for every $10,000 invested
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 startedRefer a friend or family member and get up to 1 year managed free
Refer a friendYou pay one low, annual fee.
No hidden fees. No additional trading and transfer fees. What you see is what you pay. If only everything in life were this simple. See details
Annual Fee
or about $25/year for every $10,000 invested
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
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.