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You come first

We have one mission: To empower you to make the most of your money, so you can live better.

The industry problem

The old way of managing money is broken.

When it comes to investing for the future, you've likely had a couple of options: You could do it yourself, or you could hand it off to an investment manager. The first can be tedious, time-consuming, and error-prone; the second has historically meant tolerating outdated technology and potential conflicts of interest.

Our story

You deserve a better way to invest.

Jon Stein created Betterment because he believed that people's money should work as hard for them as they worked to earn it. By combining proven investment strategies with technology that drives down costs, Jon believed that people would finally have a way to make the most of their money.

Our commitment

The new way of managing money puts you first.

We're a fiduciary, which means we act in your best interests. We're not incentivized to recommend certain funds, and we don't have our own investment products to sell. That means we'll do what we believe is right for you.

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.