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Betterment

Save, invest, retire

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Pricing at Betterment

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

We're building the future together.

When you join Betterment, you're getting more than what we offer today. During the last 10 years, we've talked to customers about what you want and work to build those ideas, features, and enhancements into our platform. Join us for the next 10 years.

See what's in the works

Our pricing plans

No fee

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

$0 minimum balance

Get started

Checking

  • 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

  • High-yield cash account earning a variable *

  • Bucket money for individual goals and plans

  • FDIC-insured up to $1M with our program banks

Cash Reserve is available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are facilitated by Betterment Securities. For Cash Reserve, Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your Cash Reserve 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 $1,000

Get started

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

$100,000 minimum balance
~$400/year for every $100,000

Get started

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.

  • 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, Betterment LLC only receives compensation from our program banks, and we do not charge fees on your account.

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

Looking for more details?

See our full pricing FAQ

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1 The average typical advisor fee of 1.15% was determined by AdvisoryHQ's 2020 survey which states that the average advisor charges 1.15% on investment accounts with balances of $750,0001-$1,000,000.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.

*The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of . This APY is variable and subject to change daily. See Current APY. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

See Betterment's Form ADV Part II and Terms and Conditions for additional information, including details on the deposit allocation methodology.

Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.

Funds held in your brokerage accounts are not FDIC‐insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC‐insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to (or $2,000,000.00 for joint accounts) of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity — e.g., individual or joint — at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above (or $2,000,000.00 for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC's Form ADV Part II.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.