Free for 90 days: Sign up now and get 90 days managed free after your first deposit. See offer details

Tell us a bit about yourself.

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.

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.

Built for better returns.

We’re designed to help you make more over time. We take sophisticated investing strategies and make them better with modern, tax-smart technology.

Unlimited personalized advice.

Burning questions? Send 'em our way. You get unlimited access to licensed financial experts (read: real live people)—anytime, anywhere.

One low fee, starting at 0.25%.

Hidden costs? Nowhere to be found. No matter who you are or how much money you invest, you get everything for one low, transparent fee.

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 started

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

Refer a friend

You 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

0.25%

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 started

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

Refer a friend

You 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

0.25%

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.