Welcome, Ragnar runners!

Betterment is an online financial advisor that uses technology to efficiently manage your money and help increase returns.

Get started

Step 1: Tell us a bit about yourself.

Where are you in your financial life and what are you investing for? Dream vacation? Down payment? Nice little retirement?

Step 2: We'll build you a portfolio.

Based on your answers, we'll recommend an investing plan and use our technology to build you a personalized portfolio.

Step 3: We put our magic to work.

And we keep working. Once we get you set up, we'll manage your portfolio with tax-smart technology.

Technology to help you make more from your investments.

Our experts take sophisticated investing strategies and use modern, tax-smart technology to make them better.

Unlimited advice to help you make smart decisions.

Our platform provides ongoing guidance that grows with you and your money. When you have questions, you can chat with our licensed financial experts.

Personalized portfolios built to help you invest the way you want.

Each of our portfolio strategies is designed to help you earn better returns at different risk levels. And each strategy can be customized to your desired risk level.

Betterment investing app on laptop and phone
In the press

Here's what people are saying.

"It's hard to overestimate the broader impact Betterment has had on financial advice in the U.S."

Barron's

"Betterment became the first independent robo-advisor to reach $10 billion in assets under management."

FastCompany

"Automated investment advice is one of the hottest areas for investors...and Betterment is the market-leading independent."

Business Insider

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.

Select an investing goal

Answer a few questions, and we'll recommend a portfolio for you.

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.

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