Investing built for
a better future.
Whether you're starting with $10 or $10M,
we're here to help you earn more money.
-
Easy
Get started with as little as $10 and use our top-rated mobile app to invest on the go.
-
Optimized
We put the robots to work for you, with automated tools and strategies that help unlock your money’s potential.
-
Personalized
Customize your account, either as hands on as you want, or with our guidance along the way.
Investing is the key to building wealth.
Slide the coin and see how your money can grow over time:
Chart is a hypothetical comparison. Investing involves risk of loss and performance is not guaranteed.
Assumptions and disclosures
Savings accounts carry minimal risk of loss of value (savings in a bank account are protected by the FDIC up to $250,000), while investments involve risk of loss of value, due to market ups and downs.
Compound interest rate of return is assumed to be 0.07% compounded monthly and is equivalent to the national average savings account interest rate as of March 31, 2021, as reported by the FDIC for deposits under $100,000. Annual investment return is assumed to be 7% each year. The investment performance is not attributable to any actual Betterment portfolio nor does it reflect any specific Betterment performance. As such, it is not net of any management fees. The balance projections are based on an initial deposit equal to the monthly deposit selected. Monthly recurring deposits, equal to the monthly deposit amount selected, are assumed to be made at the beginning of the month and interest is paid and investing returns are reflected in balance at the end of the month. All investing returns and interest paid are assumed to be immediately reinvested. Hypothetical examples are for illustrative purposes only, and market conditions can and will impact performance.
What makes Betterment better?
-
Built to make investing easy.
We'll guide you through portfolio options, risk levels, goal setting, and savings features.
-
Diversified investing.
Our portfolios are made of ETFs (rather than a few stocks) to help your money grow with less volatility.
-
Transparent pricing.
Keep things simple with one low, annual fee of 0.25%.
-
Invest with your values.
Our Socially Responsible Investing helps you make an impact without sacrificing your performance goals.
-
Save on taxes.
Get automated and optimized tax strategies to help you take home more.
-
Track your finances.
Connect all outside accounts and manage your financial life in one place.
-
4.8 rating - 20,000 reviews§
-
730,000+ customers
-
$33 Billion+ Assets under management

Want to know how you can make the most of your money? Take our quiz.

Want to know how you can make the most of your money? Take our quiz.
Still have questions?
-
How does Betterment work?
Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.
We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.
For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy is built on low-cost ETFs (exchange-traded funds) and a risk profile based on how long you plan to invest.
For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
-
Will I have access to real humans?
Customer support team members are available five days per week to answer questions about your account.
If you want in-depth financial advice, you can talk to a certified advisor by phone. Our Premium plan provides you with unlimited access and costs 0.40% per year on your invested balances. We also offer advice packages for needs of all kinds, starting at $299.
-
Is my money safe at Betterment?
Betterment Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SPIC does not protect against market changes in your investing account.
Individual Cash Reserve accounts have FDIC insurance up to $1M and joint Cash Reserve accounts offer up to $2M in FDIC insurance once funds are deposited into our program banks†.
Funds deposited into Checking are FDIC-insured up to $250K for individual accounts and up to $250K per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
-
Who are the experts behind the scenes?
Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.
More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our cash analysis tools, and other advanced strategies.