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

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Betterment

Save, invest, retire

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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

How would you like to get started?

Manage spending with Checking

Checking with a Visa® debit card for your daily spending.

Save cash and earn interest

Grow your cash savings for general use for upcoming expenses.

Invest for a long-term goal

Build wealth or plan for your next big purchase.

Invest for retirement

Set up traditional, Roth, or SEP IRAs to save for the golden years.

  • 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.