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

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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 low-risk investing account for your extra cash.

Learn more

* See disclosure page

Earn more with Smart Saver

Our low-risk investing account could earn you a 2.09%* 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 low-risk investing account.

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

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
Betterment investing app on laptop and phone

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).

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
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