Cash Management: Tools to Help You Save and Spend

You may not think it, but cash sitting idle is risky. The risks: Inflation and your own pocketbook. Our cash management tools help you save more each paycheck and spend when you're ready.

Betterment investing app on laptop and phone

Sync your accounts and find your extra cash.

Before you get saving, get organized. Sync your finances to our dashboard to learn your net worth and identify extra cash in your checking account.

Start your analysis

Automate your deposits to fit your savings habit.

Start saving every payday with auto-deposit for each of your goals, or effortlessly move your extra cash using Two-Way Sweep. We’ll analyze your checking account, help you find extra cash, and sweep it into Smart Saver, currently yielding 2.14%.* If your cash balance falls low, we can sweep money back to your checking account for you.

Betterment portfolio on desktop and phone

Withdraw the tax-smart way. We aim to keep your tax bill low.

Withdrawals from your investments are straightforward and take just 4-5 business days. For every withdrawal, we help lower transaction taxes by selling your investments in the order that causes the least tax burden.


When you're retired, we'll help manage your retirement cash flow.

When you reach retirement, we help guide your cash flow. We advise you on how much is probably safe to withdraw, then you can schedule your personal retirement payday.

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Frequently asked questions

We're an advisor. That makes our approach to managing your cash different. Let us help answer your questions.

Explore your first goal

Safety Net

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.

General Investing

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.

Smart Saver

You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.

Explore your first step toward a better financial future


Put your extra cash to work. You could earn 20X more than the average savings account with Smart Saver, our low-risk investing account.


Invest without the hassle. We manage your portfolio, offer expert allocation advice, and take care of the manual trading work.


Whether retirement is a long way off or just around the corner, we'll help you plan for the retirement you deserve.


Get answers to your questions about Betterment. We can help you become more confident with your money.

* 2.14% yield is the asset-weighted blend of the 30 Day SEC Yield as of 6/3/2019 (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 0.10% (as of data available 6/3/2019) compared to 2.14%, the expected yield of a Betterment Smart Saver portfolio. Click here for more information.


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