Dollars Managed Free Terms & Conditions

If you are a new Betterment client (i.e., you do not have an existing Betterment account), to fulfill this offer, you must enroll in the offer by clicking on the signup link on the Betterment website by 11:59:59 PM ET on January 15, 2026 and (1) open an individual Betterment taxable investing account (the “Eligible Account”), and (2) complete deposits totaling at least $2,500 into the Eligible Account within 15 days of enrolling in the offer (the “Offer Period” and the aggregate of such deposits, a “Qualifying Deposit”), inclusive of the required settlement time (typically 2-3 business days). Deposits into joint and trust investing accounts, tax-advantaged accounts (e.g., IRAs, HSAs or 401(k) accounts), Betterment Self-Directed Investing accounts, and Betterment Cash Reserve accounts are not Eligible Accounts and do not qualify for this offer. This offer is not available to existing Betterment clients, Betterment at Work 401(k) plan clients and Betterment Advisor Solutions clients.

If you make Qualifying Deposits, Betterment will waive its investment management fees that would otherwise apply to the amount of your Qualifying Deposit (up to a $75,000 Qualifying Deposit) for a period of 182 days (the “Fee Waiver” and such period, the “promotional period”). This means that if the fee applicable to your qualifying deposit would be Betterment’s minimum fee, Betterment will waive its minimum fee for the promotional period. The Fee Waiver will apply only to the Eligible Account. No other fees will be waived under this offer, including (but not limited to) fees on additional amounts deposited into your Eligible Account after the Offer Period (unless the minimum fee applies), other Betterment investing accounts, or Betterment at Work 401(k) accounts.

This offer is not valid with any other sign-up offers and is non-transferrable. The offer is available to U.S. residents only. Betterment reserves the right to terminate this offer at any time for any reason, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Betterment Account Agreements have been violated.