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.
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.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.
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.