Plans for every investor
No additional trading fees.
We don't charge you additional transaction fees to buy and sell securities.
No additional trading or transfer fees.
We don't charge you additional trading or transaction fees.
No additional transfer fees.
There are no additional fees for depositing or withdrawing from your account.
Discounts on account balances over $2M.
Receive a 0.10% discount on the portion of your household balance above $2M.
We rebalance your portfolio efficiently and automatically – at no additional cost to you.
We're committed to providing our customers with a great investing experience.
$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.
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.
$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.
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.
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 discounts over a certain balance?
Yes, receive a 0.10% discount on the portion of your household balance above $2M
- On the Digital plan, you would pay 15 bps for the portion of the balance above $2M.
- On the Premium plan, you would pay 30 bps for the portion of the balance above $2M.
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 additional 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.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
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.