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 4.75% APY*, and grow your retirement with tax-advantaged IRAs.

buyside from Wall Street Journal
Best Overall Robo Advisor 2024

BankrateAward
★★★★★

BankrateAward
4.7 rating
56,800§reviews

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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
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  • BankrateAward

    Best Portfolio Management 2024

  • theascent

    Best Robo-Advisor Overall of 2023

  • Forbes-1

    Best Robo Advisor of 2023

  • BuySide

    Best Overall Robo Advisor 2024

See full disclosures for award details.

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

Investopedia-Press
Best for Cash Management 2023

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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.

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

theascent
Best for IRAs 2024

BankrateAward
Best 401(k) Plans 2024

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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.

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

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Betterment LLC was selected as the Best Overall Robo Advisor for 2024 by the Buy Side from Wall Street Journal on January 12, 2024. It was considered amongst 20 robo advisors based on a criteria including but not limited to, their fees, investment strategies and investor services, including financial planning, tax-loss harvesting and availability of a premium service, with information from the robo advisors’ websites, augmented conversations with communications personnel, and additional third party reports featuring the robo advisors. No compensation was exchanged for this award. The author is a client of Betterment; views may not be representative, see more reviews at the App Store and Google Play Store. For more information, visit https://www.wsj.com/buyside/personal-finance/best-robo-advisors-01657136733.
 

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 10.06.2023 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/.