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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 The first can be tedious, time-consuming, and error-prone; the second has historically meant tolerating outdated technology and potential conflicts of interest.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.

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Experience the new way of investing. Sign up today.

Start investing smarter

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How would you like to get started?

Your first step toward a smarter investing future starts here.

Create a Betterment account

Go ahead and join the smart, modern way to invest.

See what we can do for you

Tell us a bit about yourself, and we’ll show you the benefits of investing with us.

Get a free investing checkup

Help us get a sense of your investing approach and see how you could improve.

Transfer a 401(k) or an IRA

Move an existing retirement account into a Betterment IRA.

Download the mobile app

Enjoy the Betterment experience anywhere on the go.

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.