An easy way to invest & save

We put your money to work so you can take it easy. Build wealth with automated investing, earn more on your cash with variable 5.00% APY*, and grow your retirement with tax-advantaged IRAs.

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Best Overall
Robo Advisor 2024
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★★★★★
Apple Logo and Google Play Logo
4.7 rating
60,500§reviews

See full disclosures for award details.

A smartphone containing an over view Of bettermen's offerings. The accounts pictured include our Cash reserve, investing, and IRA offerings.

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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 youhelping minimize taxes and maximize returnswhile 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
Start investing Learn more
Bankrate Logo
Best Portfolio Management, 2024
BuySide
Best Overall Robo Advisor, 2024
Forbes Advisor Logo
Best Robo Advisor of 2023
The Ascent Logo
Best Robo-Advisor Overall, 2023
See full disclosures for award details.
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How we help you get more from your money.

  • Tax savings can pay your fee.

    78% of customers using our tax-loss harvesting features have their taxable advisory fee covered by likely tax savings.
    Tax Loss Harvesting+ (TLH+) is not suitable for all investors. Consider your personal circumstances before deciding whether to utilize Betterment’s TLH+ feature.Fee coverage and estimated tax savings based on Betterment internal calculations. See more in disclosures.
  • Recurring deposits can help you earn even more.

    Customers with automated deposits earned 6% higher annual returns than those that did not.
    Based on Betterment's internal calculations for the Core portfolio. Users in the "auto-deposit on" groups earned an additional 1% annualized over 5 years and 6% over the last year. See more in disclosures.

Put more power behind your savings with 5.00% variable APY.*

Don’t let traditional savings accounts keep your money from growing. Our high-yield cash account earns interest at 10x the national average.**

  • No fees or minimum balance, just $10 to get started 
  • Up to $2M FDIC insurance with our program banks
  • Unlimited withdrawals
  • Transfer cash to investing accounts seamlessly
Start saving Learn more
Investopedia-Press
Best for Cash Management 2024

See full disclosures for award details.

For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.

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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
Open an IRA Learn more
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Best 401(k) Plans 2024
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Best for IRAs 2024
See full disclosures for award details.
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Here's what our customers have to say about us

  • It's a good "set-it-and-forget-it" investing tool for my family.

    Casey M.

  • Saves the stress and hassle of handling retirement savings myself.

    David S.

  • I like the different types of accounts offered, the high APY, and how easy it is to check my accounts on mobile.

    Karen G.

  • Set-it-and-forget-it investing. Low fees. Easy to see my financial status at a glance.

    Andrew C.

  • The climate change portfolio is great. I like being able to plan for retirement while knowing my savings are not supporting Big Oil!

    Julie O.

  • It's easy to select stock and bond allocation for your risk type.

    Michael M.

Non-paid client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store.

Ready to get started? Check out our most popular accounts.

  • Invest

    Automated investing

    Build wealth with diversified, expert-built portfolios.
    Start investing
    An image showing our core, innovative, and Goldman Sachs Portofolios
  • save

    High-yield cash

    Earn more interest on your savings with 5.00% variable APY.*
    Start saving
    5.0 carsh reserve account
  • RETIRE

    IRAs

    Grow your retirement savings with a tax-advantaged IRA.
    Open an IRA
    IRAs
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Still have questions?

Make your money hustle.

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