Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details



Save, invest, retire

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Introducing Checking

Download our app and gain access to no‑fee, hassle‑free checking.

Introducing Checking! Our no-fee, hassle-free, mobile-first checking account. Learn more

What the CARES Act and market volatility mean for 401(k)s. See resources


Refer friends to earn a special offer

Give your friends and family a smarter investing experience.

As a thank you, we'll reward you and your friends with a special referral offer.

What can Betterment give your friends?

  • Low Costs

    Higher expected take-home returns over time with expense ratios well below the industry average.

  • Personalized Advice

    Betterment will recommend a personalized strategy for their financial goals. Create goals to save for retirement, a house, to build wealth, or all of the above.

  • Tax-Efficient Investing

    Automatic investment of deposits and dividends keep their portfolio balanced, reducing the need to trigger gains through rebalancing.

Give your friends and family a smarter investing experience.

Refer a Friend

Explore your first goal

Cash Reserve

Our high-yield account built to help you earn more on every dollar you save.

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.


Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.

General Investing

If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.

  • 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.