See full disclosures for award details.
Take the stress out of investing with automation.
Get a diversified, expert-built portfolio to help you invest like a pro. We manage your money for you—helping minimize taxes and maximize returns—while you focus on living your life.
- Curated portfolios, including sustainability, tech, and crypto
- Automated rebalancing and dividend reinvestment
- Tax-efficient tools to help boost your after-tax returns
- Recurring deposits can help keep your money on track
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Best Portfolio Management 2024
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Best Robo-Advisor Overall of 2023
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Best Robo Advisor of 2023
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Best Overall Robo Advisor 2024
Put more power behind your savings with 4.75% variable APY.*
Don’t let traditional savings accounts keep your money from growing. Our high-yield cash account earns interest at 11x the national average.**
- No fees or minimum balance
- Up to $2M FDIC insurance with our program banks †
- Unlimited withdrawals
- Transfer cash to investing accounts seamlessly
Make saving for retirement easy with an IRA.
Feel confident saving for retirement with one of our IRAs. Get tax benefits along with our automated technology and full suite of planning tools.
- Traditional, Roth, and SEP IRAs
- Rollovers could save you on high fees and hassle
- Planning tools to help you save for retirement
Best for IRAs 2024
Best 401(k) Plans 2024
I like the different types of accounts offered on Betterment, the high APY and how easy it is to check my accounts on mobile.
- Karen G.
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850,000+ Customers
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$45 billion+ Assets under management
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14+ years In business
Want to know how you can make the most of your money? Take our quiz.
Still have questions?
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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 utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and 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.
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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 licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.15% on your invested balances (with a minimum account balance requirement of $100,000). We also offer advice packages for needs of all kinds, starting at $299.
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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 $2 million and joint Cash Reserve accounts offer up to $4 million in FDIC insurance once funds are deposited into our program banks†.
Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $250,000 per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
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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.
Want to know how you can make the most of your money? Take our quiz.
Betterment LLC received a 5 star rating from Nerdwallet on October 3, 2023 for a review period of August - October 2023. It was considered amongst an unkown number of competitors, and based on 16 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities; Betterment replied to a Nerdwallet questionnaire that was used in the rating of this award. No compensation was exchanged for this award. The author is not a client of Betterment. For more information, visit https://www.nerdwallet.com/reviews/investing/advisors/betterment
§ App store rating is as of 3.06.2023 and is based upon all ratings and reviews received by Apple App Store® since the Betterment app was launched September 10, 2010. Current rating can be found on Betterment’s App Store and is subject to change. App Store rating is calculated and generated by Apple based on the average of all total app reviews. Count of total ratings and reviews reflects the combined total of App Store rating and Google Play store ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.
Betterment LLC was designated by Bankrate as one of the Best Robo Advisor for 2024 for Portfolio Management on December 13, 2023. It was considered amongst dozens of competitors, based on cost factors, account features, and customer experience and support. Cash compensation was exchanged to secure licensing rights from Bankrate; © 2024 Bankrate, LLC. The author is a non-paid client of Betterment. For more information, visit Bankrate.com. Views may not be representative, see more reviews at the App Store and Google Play Store.
Betterment LLC received the Best Robo-Advisor Award from The Ascent, a Motley Fool service on March 7, 2023 for the 2023 calendar year. It was considered amongst an unkown number of competitors based on investing costs, customer service and support, trading platform and mobile app, and investment variety. No compensation was exchanged for this award. This recognition may not be representative of Betterment client experience, advisory services, or investment performance. For more information, visit https://www.fool.com/the-ascent/buying-stocks/best-robo-advisors/betterment-review/.
Betterment LLC received the best overall Robo-Advisor Of 2023 from Forbes Advisor on 1/1/2023 for the duration of 2022 It was considered amongst more than 40 robo-advisor products based on customer experience, their portfolios’ overall performance, account minimums, availability of human advisors, financial planning capabilities, level of transparency about potential conflicts of interest, size and tenure, and investment and management costs. Cash compensation was exchanged to secure licensing rights from Forbes; © 2023 Forbes Media LLC. The author is a client of Betterment. See here for more information.
Betterment LLC was awarded the Best Robo-advisor Cash Management Account for 2023 by Investopedia on November 3, 2023 for the 2023 calendar year. It was considered amongst 19 competitors based on 57 criteria, including APY rates, services offered, fees, and more. Betterment responded to Investopedia's digital survey and provided a platform demo. No compensation was exchanged for this award; the author is not a client of Betterment. For more information, visit https://www.investopedia.com/best-robo-advisor-cash-management-accounts-for-2023-7975978
Betterment for Business was designated by Bankrate as one of the Best 401(k) Plans of 2024 on January 21, 2024 for 2024 thus far. It was considered amongst an unknown number of competitors, based on cost, types of available plans, customer support, investment funds, and education & advice. No compensation was exchanged for this award. The author is a client of Betterment. For more information, visit https://www.bankrate.com/retirement/best-401k-plans/.