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Betterment

Save, invest, retire

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Introducing Checking

Download our app and gain access to no‑fee, hassle‑free checking.

Introducing Checking! Our no-fee, hassle-free, mobile-first checking account. Learn more

What the CARES Act and market volatility mean for 401(k)s. See resources

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Personalized guidance for you

Retiring, buying a home, having a child—these are exciting life moments that come with so many financial questions. Our tools and experts are here to help guide you along the way.

Investing for your goals

Get personalized advice based on your needs.

We start with your goal—the reason you're investing. Then, we make various recommendations: risk level, amount to invest, and type of account.

This type of personalized strategy is called "goal-based investing," and research shows it improves outcomes by encouraging optimal behavior and more precise wealth management.

We're here for the moments you hope for—and for the ones you might not expect.

Your money in one place

Get advice on your outside investments.

You can sync your outside accounts, such as other investments and bank accounts, to see if you're losing money to high fees and uninvested cash.

Best of both worlds

Lean on licensed experts and round-the-clock technology.

Our technology helps you get better returns, and our licensed financial experts are here if you need them.

Explore your first goal

Cash Reserve

Our high-yield account built to help you earn more on every dollar you save.

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.

Retirement

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.

  • Are you on track for retirement?

    Try our retirement calculator to see if you're retirement-ready.

  • Could your 401(k) be worth more?

    Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

  • Want more retirement guidance?

    Read the latest on investing for retirement on our Resource Center.