You’ve got time to become a millionaire.
We can help get you there.

Betterment's automation makes it easy to build wealth over time.

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Start in as little as three minutes
with our most popular accounts.

Automated Investing For growing your wealth over time.

We handle all the trading, rebalancing, and tax management. Your money keeps working no matter what the market is doing.
  • Start investing
  • Earn up to $2,000
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  • INVEST

    Automated investing

    Build wealth with diversified, expert-built portfolios.
    Start investing
    invest
  • SAVE

    High-yield cash

    Earn more interest on your savings with 3.25% variable APY.
    Start saving
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  • RETIRE

    IRAs

    Grow your retirement savings with a tax-advantaged IRA.
    Open an IRA
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High-yield cash So your cash works as hard as you do.

Grow your savings at a rate that’s 10x the national average. It’s FDIC insured up to $8 million (joint) or $4 million (individual) at our program banks, has no fees, no minimums, and you can access it any time.
  • Start saving
  • Learn more
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Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by Program Banks, subject to certain conditions. Learn more.
Betterment primarily earns revenue through management fees (AUM-based or flat monthly fees), compensation from program banks on cash, securities lending activities, and payment for order flow. Learn more.

IRAs For when retirement feels sooo far away.

Our tax-advantaged IRAs make saving for the future easy. You tell us your ideal retirement date, expected spending and a ZIP code, and we'll estimate how much you’ll need.
  • Open an IRA
  • Learn more
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    Start saving with as little as $10.

    Building wealth, saving for a vacation, or investing for retirement, pick what fits and we'll set it up for you.
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    We handle things for you.

    We can rebalance your portfolio, and help optimize for taxes automatically, while you just check in when you feel like it.
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    Have real experts and CFPs® in your corner.

    Our in-house Investing Team regularly monitors, analyzes, and updates portfolios to help strengthen your investments.

Investing made easy

Award-winning technology meets decades of investor know-how
to help your money grow for the long run.

  • Get started

This is compound interest at work.

Making small recurring deposits stacks over time. You don't work harder, you don't time the market, you just stay invested and watch it work for you.
 
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Estimates assume a constant rate of return and do not account for taxes, fees, or inflation. Investing involves risk, including the possible loss of principal.

Learn the basics from our experts, without the jargon.

Here are some short videos and quick reads on what you actually need to know to get started.

The subtle edge behind 
Gen Z’s investing

Why compound growth favors young investors.

Frame 1561553845-1Cara Daly
Senior Investing Strategist

 

  • dollar

    $70 Billion+ in assets

  • people

    1 Million+ customers

  • lock
    Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
  • apps-1

    4.8 rating</br> 78.1K reviews

portfolioshome

Invest with our globally
diversified, expert-built
portfolios.

Want to know how you can make the most of your money? Take our quiz.

Investing made easy

Award-winning technology meets decades of investor know-how
to help your money grow for the long run.

  • Get started
  • ben-thumbnail

    Student loans are stressful. This plan isn’t.

    Ben Bakkum, Senior Investing Strategist

    Watch video — 2 min
  • dan-thumbnail

    Saving isn’t about restriction. It’s about options.

    Dan Egan, Behavioral Finance Expert

    Watch video — 2 min
  • dan2-thumbnail

    Some dollars are for now. Some are for later.

    Dan Egan, Behavioral Finance Expert

    Watch video — 2 min
  • cara-thumbnail

    As you earn and invest more, tax awareness matters more too

    Cara Daly, Sr. Strategy & Ops Manager

    Watch video — 2 min
  • ben-thumbnail

    Getting started is simpler than it’s ever been

    Ben Bakkum, Senior Investing Strategist

    Watch video — 2 min

     

  • cara-thumbnail

    4 questions to ask before you trust an app with your money

    Cara Daly, Sr. Strategy & Ops Manager

    Watch video — 2 min
  • ben-thumbnail

    The mistakes that can quietly cost people money

    Ben Bakkum, Senior Investing Strategist

    Watch video — 2 min

     

  • cara-thumbnail

    Socially responsible investing is way easier than it used to be

    Cara Daly, Sr. Strategy & Ops Manager

    Watch video — 1 min
  • ben-thumbnail

    Introducing a different kind of investing app

    Ben Bakkum, Senior Investing Strategist

    Watch video — 2 min

     

  • dollar

    $70 Billion+ in assets

  • people

    1 Million+ customers

  • lock
    Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
  • apps-1

    4.8 rating</br> 78.1K reviews