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

Introducing Betterment Everyday™: Earn up to APY* with Savings and get all ATM fees reimbursed with Checking. Learn more

<title>Dismiss</title>

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.

Betterment is an online financial advisor built for people who refuse to settle for average investing. People who demand better. People like you.

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.

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

Our retirement recommendations could increase returns by 1.48% compared to those of 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. Our retirement recommendations could increase returns by 1.48% compared to those of the typical investor.

How it Works

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).

How does it work?

01

We'll learn a bit about you.

Where are you in your financial life and what are you investing for? Dream vacation? Nice little retirement?

02

We'll build you a portfolio.

Based on your answers we'll recommend an investing plan designed for your risk tolerance and time horizon.

03

Then, we put our magic to work.

And we'll keep working. Once we get you set up we'll manage your portfolio with our tax-smart technology.

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Betterment has made a name for itself among US retail investors.

- Financial Times

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

- Barron's

Smarter is Better

From the money you need today to the money you're saving for tomorrow and beyond, Betterment is your smart money manager, built to help you make the most of it.

Get started
A portrait of a woman smiling

Financial institutions should work harder for you. For everyone. That's why we started Betterment a decade ago, and it's why we haven't stopped working for you ever since.

This is what we're all about
Betterment's debit card in front of a smartphone displaying the app summary screen

Get the most out of every dollar, every day.

Betterment Everyday is our savings and checking platform that seamlessly integrates with your Betterment investments. Earn up to APY* with Savings and get ATM fees reimbursed worldwide with Checking, insured by FDIC.

Meet Betterment Everyday™
Up to
APY on your savings
Two adults sitting on a couch

Invest smarter for a comfortable tomorrow.

Since 2010, we've worked to make investing more efficient and accessible using technology and Nobel Prize‐backed research.

Built-in financial guidance

Tax Smart technology

Transparent 0.25% annual fee

Investing with Betterment

Build a secure future with a retirement plan.

No matter your age or situation, we can help you build a plan for life after work. We'll help you determine how much to save and automatically invest your contributions.

A retirement plan tailored to you

You could earn an estimated 38% more over 30 years

0.25% annual fee and no minimum balance

Retiring with Betterment

You could earn an estimated 38% more over 30 years.

You could earn an estimated 38% more over 30 years.

A woman working on a laptop

Ready to make the most of your financial life?

Get started
A man and his dog playing on the couch

Getting into the details

*The Betterment Everyday Savings ("Savings") annual percentage yield ("APY") is based on commitments from program banks if the program was available as of . APY is a promotional offer for individuals who sign up for the Betterment Everyday Checking waitlist and applies to cash deposited into Savings for the duration of 2019. APY is as of without the promotional offer. APY is a variable rate and may change at any time. Current APY can be found here. No minimum balance is required. There is a minimum deposit of $10.

Betterment LLC clients may choose to participate in Betterment Everyday Savings ("Savings"), through which clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. FDIC insurance is not available until deposits are received by the Program Banks. There are currently at least four Program Banks, which allows funds deposited into Savings to be eligible for up to of FDIC insurance (up to $250,000 at each program bank). Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Savings, to ensure FDIC limits are not exceeded, which could result in some funds being uninsured. The FDIC calculates the limits based on all the accounts held at a bank, not just cash in Savings. If you elect to exclude one or more Program Banks the amount of FDIC insurance available to you through Savings may be lower. For more information on FDIC insurance please visit www.FDIC.gov. The deposits in Savings are not covered by SIPC. See Program Terms and Conditions for additional information.

Checking accounts and the Betterment Visa Debit Card (collectively "Betterment Everyday Checking" or "Checking") provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Everyday Checking made available through Betterment Financial LLC. Betterment Financial LLC does not charge foreign transaction fees for the use of the Betterment Visa Debit Card outside of the United States. However, Visa charges a foreign transaction fee of 1%. Betterment Financial LLC reimburses this 1% transaction fee on foreign ATM transactions ors on any other foreign transactions or purchases.

<title>Close</title>

Search our site