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Betterment

Save, invest, retire

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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.

How would you like to get started?

Manage spending with Checking

Checking with a Visa® debit card for your daily spending.

Save cash and earn interest

Grow your cash savings for general use for upcoming expenses.

Invest for a long-term goal

Build wealth or plan for your next big purchase.

Invest for retirement

Set up traditional, Roth, or SEP IRAs to save for the golden years.

  • 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.