How Betterment works

Our mission is to provide the best possible solution to the question, “What should I do with my money?”

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How to use our products across your financial life:

  • Plants growing in the sun.


    For a goal of building wealth with a portfolio of stocks and bonds, or cryptocurrencies. 

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  • An umbrella on a beach.


    For your golden years, when you’re ready to kick back and relax full-time.

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  • Betterment's debit card.


    For no-fee daily spending and our Visa ® Debit Card with reimbursed ATM fees.

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  • Some cash.

    Cash Reserve

    For earning more on your savings and organizing the money you’ll use soon in a no-fee cash account.

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Step 1 Tell us what you want to do with your money.

Open a no-fee checking account? Save for your weekly groceries? Invest for a dream retirement with your partner or spouse? No matter what you have in mind, from practical spending to big investing dreams, we’re here to help you make it real.

A dream home goal and a goal for a Greece getaway.

Step 2 We’ll build your account.

Based on what you tell us, we’ll provide some recommendations and set up your ideal account. You can start with one product (like Checking), or go all in. Whatever you choose, it’s easy to add more and customize your account in the future.

A goal for a dream home, a safety net, and retirement.

Step 3 Our technology gets to work.

We strive to optimize every dollar you spend, save, and invest with us. Our technology manages your money and aims to helps you earn more. As your money grows and your priorities change, we evolve with ongoing advice and updates to help you stay on track.

Your investing performance shown, with total earnings, and dividends earned highlighted.

Step 4 Save. Withdraw. Spend. Cheers!

We’re excited to see you achieve your goals, withdraw, and use your money! After all, you’re saving and investing for the things you need and the life you want. The best part: We get to do it again with your next goal.
Your dream home goal achieved with half a blueprint and half completed house..

Some of our favorite features:

  • Socially Responsible Investing

    Our Socially Responsible Investing can help you invest to make an impact and grow your savings.

  • Recurring deposits.

    A very popular feature. You can set up separate recurring deposits for each goal or account.

  • Tax-Loss Harvesting+.

    This tax-smart tool can automatically helps you offset losses when the market drops once you turn it on.

Like what you see? Let’s get you started.

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