Designed to help your money grow

Understand how much it costs to save, spend, and invest with Betterment.

Pricing at Betterment.

  • crypto investing icon of a floating gold coin


    Diversified portfolios offer a simple way to invest in crypto.
    • 1%

      annual fee
      + trading expenses2

    Invest in crypto
    • $0 minimum balance
    • Multiple portfolio options
    • Includes Bitcoin and Etherium
    • Automated rebalancing
    • Risk and investment advice
    2 Gemini, our cryptocurrency custodian, charges trading fees of up to 0.15% per trade.
  • checking icon of a debit card


    Everyday spending with rewards and benefits.
    • No fee
    Start spending
    • $0 minimum balance
    • No ATM fees
    • FDIC-insured up to $250K
    • Earn cash back rewards
    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

Calculate your investing cost.

Initial deposit
$4 monthly 0.25% annually
Recurring deposits or transfers
Loading ...loading
Get started

The base price for investing accounts is $4/month. This automatically switches to an annual price of 0.25% on your investing account balance when you either:

  • Have a total Betterment balance of $20,000 or more across any investing accounts, crypto accounts, Cash Reserve, and cash goals you hold at Betterment, or
  • Set up a recurring deposit(s) or transfer(s) of $250/month or more into any account.

*Beginning July 8, 2024, Checking balances will no longer count towards your $20,000 balance threshold.

Upgrade to Premium for on-demand support from a Certified Financial Planner™.

Access unlimited financial guidance from a CFP® when you upgrade to Premium. From retirement planning to Crypto Investing, you’ll get professional one-on-one advice tailored to your goals.

0.65% annual fee

$100,000 minimum investing balance

Get started
an illustration of two people discussing financial matters

$100K minimum balance required in stocks, bonds, or crypto holdings for Premium. The annual Premium management fee applies to Investing and Crypto Investing assets, but does not apply to Cash Reserve. See details at

Benefits to better support you.

The technology and people here to help you with your money.
  • a simplified versions of a dashboard for managing tasks and information

    All-in-one dashboard.

    Seamlessly track all your accounts (including connecting those outside Betterment) from one place.
  • an abstract illustration of a chat dialog

    Expert guidance.

    Even before you make your first deposit, we provide advice to help you make smart money decisions.
  • an illustration of someone using the Betterment app to speak with a financial advisor

    Get in touch with us.

    Access our Customer Support Team, available five days a week via phone and email.
  • Tax savings can pay your fee.

    78% of customers using our tax-loss harvesting feature had their taxable advisory fee covered by likely tax savings (in 2022).
    Fee coverage and estimated tax savings based on Betterment internal calculations. See more in disclosures.
  • Recurring deposits can help you earn even more.

    Over the last decade, customers who automated their deposits earned 6% higher annual returns than those who did not.
    10-year annualized return based on Betterment internal calculations for the Core portfolio. See more in disclosures.

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 ("CR"), Betterment LLC only receives compensation from our program banks, and Betterment LLC and Betterment Securities do not charge fees on your CR balance.
  • For Investing and retirement accounts, Betterment LLC charges an annualized asset-based fee (or minimum monthly fee) which covers all of our trading and management costs.
  • For crypto accounts, Betterment charges one low, annual fee which covers all management costs. Additional trading expenses (up to 0.15% per transaction) are charged by our cryptocurrency custodian, Gemini.

Questions about our pricing:

Like what you see?
Let’s get you started.

Get started