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Save, invest, retire

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Upcoming maintenance: Our website and mobile apps will be unavailable from midnight Saturday to 4am Eastern time on Sunday for routine maintenance.

Introducing Checking

Download our app and gain access to no‑fee, hassle‑free checking.

Introducing Checking! Our no-fee, hassle-free, mobile-first checking account. Learn more

What the CARES Act and market volatility mean for 401(k)s. See resources


Plans for every investor

  • No additional trading fees.

    We don't charge you additional transaction fees to buy and sell securities.

  • No additional transfer fees.

    There are no additional fees for depositing or withdrawing from your account.

  • Unlimited rebalancing.

    We rebalance your portfolio efficiently and automatically – at no additional cost to you.

  • Satisfaction guaranteed.

    We're committed to providing our customers with a great investing experience.


Annual fee


Get started

$0 Minimum balance

Fees based on account balance

  • Personalized financial advice

    Know how much to invest, your recommended asset allocation, and more.

  • Low-cost, globally diversified investment portfolios

    Invest in funds chosen to help maximize your money at various levels of risk.

  • Automatic rebalancing

    Maintain your target allocation when the market causes it to shift.

  • Advanced tax-saving strategies

    Automate tax loss harvesting and asset location to increase your after-tax returns.

  • Everything in one place

    Sync external accounts to get a clear view of your money.

  • Reliable customer service

    Contact our Customer Support Team, available 5 days a week.


Annual fee


Get started

$100,000 Minimum balance

Fees based on account balance

  • All of the benefits of our Digital plan

  • In-depth advice on investments outside of Betterment

    Create a plan for managing 401(k)s, real estate, and individual stocks.

  • Unlimited access to our CFP® professionals for guidance on life events

    • Getting married? Make sure your goals are aligned, decide how to combine your money, set financial boundaries, and decide how to allocate your money across your retirement plans.
    • Having a child? Save for college, prioritize family goals, select life insurance, and discuss your estate plan.
    • Managing equity-based compensation? Understand your plan, walk through possible tax implications, and manage the potential risks.
    • Retiring? Plan for your transition from saving to spending, and create a tax-smart withdrawal strategy.
Advice Packages

Set up a one-time advice call and action plan with a licensed financial expert.

Pricing starts at $199

Learn more
  • Getting Started Package

  • Financial Checkup Package

  • Marriage Planning Package

  • College Planning Package

  • Retirement Planning Package

Betterment Advisor Alex Benke
Betterment Advisor Network

Looking for a dedicated one-on-one relationship with a financial advisor?

Get matched with a pre-vetted CFP® professional who can provide comprehensive financial planning. Advisors may have minimum balance requirements, which typically begin at $100,000.

Learn more

Frequently asked questions

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.


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.