Financial experts, at your fingertips.

Now, you can send your investing questions to our licensed financial experts through our mobile app. Learn more.

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.

Digital

0.25%

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 7 days a week.

Access to licensed financial experts anytime, anywhere

Get unlimited access to licensed experts who can answer your financial questions.

Premium

0.40%

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.
Special offer

Get up to 1 year managed free.

It's easy—sign up today, make a deposit, and we'll automatically waive your management fee. The amount of time you get managed free is based on the total amount you deposit within 45 days of opening an account. See offer details.

Get started
Deposits within 45 days Managed Free
$10,000-$24,999 1 month
$25,000-$49,999 2 months
$50,000-$99,999 3 months
$100,000-$249,999 6 months
$250,000-$499,999 9 months
$500,000+ 1 year
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

Where are the fees taken from?

Fees are taken right from your Betterment account. No action is required on your part, and we'll never charge fees if you don't have a balance.

Is there a fee for a $0 balance?

No, you will never be charged for an account with a $0 balance.

Which accounts are included in determining my qualification for the Premium plan?

The minimum balance requirement for this plan is based on your combined balance across your IRA and taxable accounts, joint accounts, and trusts at Betterment. If you also have a 401(k) account through Betterment For Business, that account is subject to a separate fee schedule and is not included in the minimum balance requirement.

Are there deposit, withdrawals, or ETF fees?

All portfolios are subject to fund level fees. Learn more about each fund fee here. Our annual fee covers everything else. You are not charged any trade or transaction fees.

Can I cancel at any time?

Yes, you can cancel at any time. Fees will be prorated, so if you leave before a month is over, you will only pay for the time you had a balance.

What if I have over $2 million in my account?

You will not be charged a fee on any additional investments above $2 million. The more you invest, the lower your effective fee rate.

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What can Betterment do for you?

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Start your investment plan

What can Betterment do for you?

Your satisfaction is guaranteed. It's our commitment to you. Learn more.

Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

This offer is valid for new individual accounts with Betterment. To qualify for 1 month free of management fees, you must fund an account with at least $10,000 within 45 days of signup. To qualify for 2 months free of management fees, you must fund an account with at least $25,000 within 45 days of signup. To qualify for 3 months free of management fees, you must fund an account with at least $50,000 within 45 days of signup. To qualify for 6 months free of management fees, you must fund an account with at least $100,000 within 45 days of signup. To qualify for 9 months free of management fees, you must fund an account with at least $250,000 within 45 days of signup. To qualify for one year free of management fees, you must fund an account with $500,000 within 45 days of signup.

Your participation is subject to the following terms and conditions: This promotion is not valid with any other offers and is non-transferable. Offer available to U.S. Residents only. This offer is available to new customers opening accounts on the Betterment retail platform, and does not apply to accounts opened or held through the Betterment For Advisors or Betterment For Business platforms. This offer does not apply to any fees charged by an Advisor you are matched with through the Betterment Advisor Network. Betterment reserves the right to terminate this offer at any time, to limit 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, or that any terms of the Betterment Account Agreements have been violated. Free time applies only to management fees charged by Betterment for investment advisory services and does not include any fees and expenses charged to shareholders by the funds held in your Betterment account.