Put your cash to work for you
Can your cash be doing more? Betterment helps you maximize your cash through smart automation of deposits, withdrawals, and low-risk investing accounts.
One way you can invest better: invest regularly. We help you figure out how much to deposit on a regular basis to each of your goals. Once you set it up we’ll take care of the rest.
Want an even smarter way to invest excess cash sitting in your checking account? Set the minimum you want in your checking account, and SmartDeposit will automatically put your extra dollars to work for you by investing them in your Betterment account. Simply link the account, select the goal, and set the frequency.
Worried about us investing too much? Receive notifications before we move any money and set the maximum withdrawal amount for each transfer.
Keep getting paid. Set up auto-withdrawals directly from Betterment to your checking account.
Everyone’s situation is different. We’ll help build a personalized portfolio, provide ongoing advice, and automate your withdrawals. It's like you never stopped receiving a paycheck.
Explore your first goal
This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.
Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.
If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
*2.20% yield is the asset-weighted blend of the 30 Day SEC Yield as of 1/2/2019 (a standardized calculation that reflects the dividends and interest earned after deduction of the fund’s expenses) of the ETFs that comprise this portfolio net of Betterment’s management fee (0.25% for its Digital plan). The ETFs were chosen with an aim to limit risk and produce income. Yield is an important number in evaluating a low-risk, all-bond portfolio, but is distinct from actual investment returns, which may vary. 20X the average savings account is calculated by taking the FDIC’s national average savings account interest rate for deposits under $100,000 of 0.09% (as of 1/2/2018) compared to 2.20%, the expected yield of a Betterment Smart Saver portfolio. Click here for more information.