A better way to save

Betterment is built to help you achieve what you want with your money. Invest with an automated, expert-built portfolio. Save with a high-interest cash account, earning 4.75% APY* (variable) with up to $2 million in FDIC insurance at our program banks.

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  • bankrate-logo
    2023 Best Robo-Advisor
  • buyside-logo
    Best Overall Robo Advisor of 2022
  • forbes-advisor-logo
    Best Robo-Advisor Overall of 2023
See full disclosures for award details.

A high-yield cash account helps your savings grow.

A home for your savings that earns 11x the national average.** With our high-yield Cash Reserve, you’re set to grow your money for all your near-term plans.
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Build wealth with automated investing.

We make investing easy. No day trading or navigating market ups and downs. We’re here to help you earn more over the long term and make smart decisions with your money.
Start investing Learn more about automated investing
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  • Invest the way you want.

    Get started with diversified portfolios of stocks and bonds or crypto.
  • We handle the hard stuff.

    From recurring deposits to dividend reinvesting to managing your portfolio.
  • Limit tax impact.

    Automated and optimized tax strategies are designed to help you minimize the tax impact on your investments.

Keep more of your money with low fees.

We offer no-fee cash accounts and low-cost investing so everyone can do what’s best for their money.
Learn more about pricing
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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.
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See what your money can be.

No matter what you want to do with your money, we’ll help you save, invest, and live the life you want.
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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.

Client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store.

Still have questions?

Betterment LLC received a 5 Star Rating from Bankrate and was acknowledged the 2023 Best Robo Advisor on January 10, 2023.  It was considered amongst an unknown number of competitors based on overall cost, investments and portfolio options, types of accounts available, features/tools, and customer experience. Cash compensation was exchanged to secure licensing rights from Bankrate; © 2023 Bankrate, LLC. The author is a client of Betterment. For more information, visit https://www.bankrate.com/investing/reviews-methodology.

Betterment LLC received the Best Overall Robo Advisor of 2022 award from the Buy Side from Wall Street Journal on July 7, 2022 for the duration of 2022 thus far. 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 not a client of Betterment. This recognition may not be representative of Betterment client experience, advisory services, or investment performance. For more information, visit https://www.wsj.com/buyside/personal-finance/best-robo-advisors-01657136733.

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.