Pricing at Betterment

Everyone should be able to spend, save, and invest better with expert advice. That's why we keep costs low.

Our pricing plans:

No fee

Compare this plan to the possible fees on your current checking or savings account.

$0 minimum balance

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  • No-fee Checking account and Visa® debit card
  • ATM fees reimbursed worldwide
  • FDIC-insured up to $250K

Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Learn more


Cash Reserve

  • Cash account earning a variable 1.60%*
  • Bucket money for individual goals and plans
  • FDIC-insured up to $1M with our program banks

Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients' brokerage accounts at Betterment Securities. For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance. Learn more


Advice and planning tools

  • Financial goal-setting and advice tools
  • Retirement planning tools
  • Feedback on accounts you hold at other institutions

Advisory services provided by Betterment LLC, a registered investment advisor. If a customer wishes to fund an investment goal and use Betterment's advisory services beyond advice and planning tools, the customer's investment account will be charged a .25% annual fee, under the Digital plan (see Digital investing).


0.25% annual fee

Compare this plan to the time and effort it takes to invest on your own.

$0 minimum balance ~$2.50/year for every $1K

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Digital investing

  • Low-cost investing portfolios built and managed based on your priorities
  • Socially responsible investing options
  • Account choices, including joint accounts, IRAs, and trusts
  • Automatic features like portfolio rebalancing, dividend reinvestment, and auto-adjust
  • Advanced tax-saving strategies like Tax Loss Harvesting+ and asset location
  • Add Checking and Cash Reserve with no additional fees

0.40% annual fee

Compare this plan to the cost of an average traditional advisor—1%.1

$100K minimum balance ~$400/year for every $100K

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Premium investing

  • All the features of Digital investing
  • Unlimited calls and emails with our team of CFP® professionals
  • In-depth advice on investments held outside of Betterment through our team of CFP© professionals
  • Add Checking and Cash Reserve with no additional fees

Premium is optional. You'll have the option to upgrade when your account has the qualifying balance.

Nick Holeman

All accounts include access to our Customer Support Team, available five days per week via phone and email.

Curious how we make money?

We take transparency seriously around here, which means we keep our pricing and terms easy and straightforward:

For Checking, Betterment Financial LLC does not charge fees on your account. We make money from merchants when you use your Visa debit card.

For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks, and Betterment LLC and Betterment Securities do not charge fees on your CR balance.

For Investing and retirement accounts, Betterment LLC charges one low, annual fee, which covers all trading, transfer, and management costs.

The Betterment Satisfaction Guarantee.

We are committed to providing our customers with a great experience. If you are not completely satisfied with your advisory experience with Betterment, we will do everything we can to make it right up to and including by waiving Betterment's management fees for up to 90 days. Learn more or contact us if you have questions.

Questions about our pricing:

  • How are the fees taken from my account?

  • Are there discounts if I hold a high balance?

  • What counts toward the minimum balance for Premium?

  • Are there fees on deposits, withdrawals, or ETFs?

  • Does it cost more to get additional help if I need it?

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