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 1.90%^* 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.

We're on a mission to help you make the most of your money.

It's hard to overestimate the broader impact Betterment has had on financial advice in the U.S.

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.

Betterment investing app on laptop and phone

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.)

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

Refer a friend

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

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

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).