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Lower costs through smarter technology and automation

Stop losing money to fees.

Investment management fees have traditionally been around 1.0% a year. Our smarter technology allows us to offer a lower fee structure, leaving you with more money to invest.

Account Balance

$0

Betterment Fee

$0/mo

at 0% annually
Traditional account fee

0

at 1% annually

$100/mo auto-deposit required for 0.35% fee.
Otherwise, your cost is a flat $3/mo.

0

of potential savings over 20 years

How did we get this number? X

After 20 years, a $x investment with annual fees of 1% will be worth $x, while a Betterment account with annual fees of x% will be worth $x, assuming an effective annual return of 7% for both.

Get one month free if you sign up now.

Fees add up over time. At a fraction of the cost of traditional solutions, Betterment leaves you with more money to invest.

Sign up now

The more you invest, the lower your fee rate.


  • Account Balance

  • $0 - $10,000

  • $10,000 - $100,000

  • $100,000+

  • Annual Fee

  • 0.35%

    With a minimum of $100/mo auto-deposit


    or

    $3/mo

    without auto-deposit

    Accounts with a balance of less than $10,000 and auto-deposits less than $100/mo will pay $3/mo

  • 0.25%

    No auto-deposit required

  • 0.15%

    No auto-deposit required

    Personal Consultation
    ($500k minimum)

    • No auto-deposit required

    • Accounts with a balance of less than $10,000 and auto-deposits less than $100/mo will pay $3/mo

  • Account Balance

    Annual Fee

  • No trade fees.

    Betterment does not charge you transaction fees to buy and sell securities.

  • No transaction fees.

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

  • No rebalancing fees.

    Betterment automatically and regularly rebalances your portfolio for free.


"A high-quality, low-cost, customer-service-oriented experience."

Frequently Asked Questions

  • What is an auto-deposit?

    Auto-deposits are scheduled deposits that will automatically be paid in from your linked bank account. You can set these up from your account dashboard, and adjust them at any time.

  • When does Betterment charge fees?

    Fees are charged at the end of each quarter, or prorated whenever a large withdrawal is made. You will never be charged for having an open account with a $0 balance.

  • 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.

  • Will market changes take me down a fee tier?

    You will never be put in a more expensive fee tier due to market changes. You can, however, get placed into a less expensive fee tier due to upward market changes.

  • Is there a minimum balance?

    No, there is no minimum balance requirement at Betterment. You can deposit as little as $10.

  • What do you get with a personal consultation?

    Customers with an account balance of $500k or greater can schedule a one-time personal consultation with one of our financial planning experts. This is in addition to being able to talk 7 days a week with our excellent customer support team, which is available to all customers.

  • Is there a fee for a $0 balance?

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

  • Are there fees for deposits or withdrawals?

    No, our annual fee covers everything. You will never be 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 quarter is over, you will only pay for the time you had a balance.

  • Which accounts are included in determining my fee tier?

    Your fee tier 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 your balance for determining the fee tier.

Stop losing money to fees
I am years old and
  • Not Retired
  • Retired
.
My annual income is .

You're a smart investor. Now you've found a service that's right for you.

Sign up now

The more you invest, the lower your rate

An account with a
$
balance costs $0 less per year than a traditional investment manager.

Over 20 years, that adds up to $0 of potential savings, or about 0% of your initial investment. At a fraction of the price of traditional investing accounts, Betterment helps you achieve your goals faster.

How did we get these numbers?

Assuming a 7% annual return for 20 years, a $100,000 initial investment would be worth $320,714 with annual fees of 1%, while a Betterment account with annual fees of 0.15% would be worth $376,262.

$0/yr

Betterment

$0/yr

Traditional Account Fees
  • No trade fees.

    Betterment does not charge you transaction fees to buy and sell securities.

  • No transaction fees.

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

  • No rebalancing fees.

    Betterment automatically and regularly rebalances your portfolio for free.

  • Save up to 6x on fees.1

    Our smarter technology allows us to charge a fraction of what traditional managers charge.

  • $1 - $9,999

    Account Balance

    0

    .35%

    Annual Fee*

    $100/mo recurring deposit required*
    Fees based on average account balance

    Try it Free for 30 Days
  • $10,000 - $99,999

    Account Balance

    0

    .25%

    Annual Fee

    No recurring deposit required
    Fees based on average account balance

    Try it Free for 30 Days
  • $100,000+

    Account Balance

    0

    .15%

    Annual Fee

    No recurring deposit required
    Fees based on average account balance

    Try it Free for 30 Days
Customers with an account balance of $500k or greater can schedule a personal consultation with our financial planning experts.
*Accounts with a balance of less than $10,000, without a recurring deposit, are charged $3/mo instead of 0.35% annually.

Frequently Asked Questions

  • What is a recurring deposit?

    Recurring deposits are scheduled deposits that will automatically be paid in from your linked bank account. You can set these up from your account dashboard, and adjust them at any time.

  • When does Betterment charge fees?

    Fees are charged at the end of each quarter, or prorated whenever a large withdrawal is made. You will never be charged for having an open account with a $0 balance.

  • 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.

  • Will market changes take me down a fee tier?

    You will never be put in a more expensive fee tier due to market changes. You can, however, get placed into a less expensive fee tier due to upward market changes.

  • Is there a minimum balance?

    No, there is no minimum balance requirement at Betterment. You can deposit as little as $10.

  • Is there a fee for a $0 balance?

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

  • Are there fees for deposits or withdrawals?

    No, our annual fee covers everything. You will never be 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 quarter is over, you will only pay for the time you had a balance.

  • Which accounts are included in determining my fee tier?

    Your fee tier 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 your balance for determining the fee tier.

Stop losing money to fees
I am years old and
  • Not Retired
  • Retired
.
My annual income is .

You're a smart investor. Now you've found a service that's right for you.

Sign up now
1 This assumes a minimum Betterment balance of $100,000, which corresponds to a 0.15% management fee. Our research shows that the average investment manager charges a 1% advisory fee.