Your future-proof 401(k)

Betterment makes it easy and affordable for small and mid-market businesses to provide a scalable retirement plan.

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  • Nearly
    $19 Billion


    Retirement Assets under Management

  • fintechbreakthrough
    FinTech Breakthrough on 3.19.25 for Jan '25. Fee paid for logo use. See more. 
  • bankrate-May-14-2025-03-38-31-6048-PM
    Bankrate on 1.6.25 for Jan '25. Fee paid for logo use. See more. 
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    G2 on 4.1.25 for reviews since 11.10.20. Some reviewers compensated. See more. 
Want to save up to $15,000 on your 401(k)? See how tax credits can help

The 401(k) built to keep up with your growth.


Leverage our proven track record to deliver a better retirement plan. Provide everything from expert-built, curated portfolios to customizable investment options,  giving employees the flexibility to save on their terms.

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Estimate your plan costs with our tax savings calculator.

You could earn up to $15,000 in tax credits over the first three years of your plan.
Calculate your savings
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Dedicated service and expert operational support.

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Ongoing support for plan sponsors

Get 401(k) administration help and answers from our Plan Support Team or a dedicated Client Success Manager whenever you need it.
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Employee support team

Specialists are available via call, email, or chat to resolve the specific needs of employees.

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350+ payroll integrations.

We connect with your payroll to simplify plan administration, track employee eligibility, and automate away 401(k) hassle. See all our payroll integrations here.
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Everything was easy: setup. Payroll integration. Compliance. I was surprised at how easy a 401(k) could be. We needed a modern 401(k) option. We moved to Betterment once their 401(k) product was available in MA. Personally, I have been using Betterment since 2018, so I was familiar with how things worked. I was happy when we migrated both our payroll to a new provider (Gusto) and 401(k) from ADP to Betterment. That was a lot to take on at one time, but Betterment was easy to get set up."
Daniel Reed, Founder of Whycan
"Very easy to manage 401k plan for small business. This was a great decision for our small business. Betterment integrates with our payroll service so it is easy to setup and manage. Our employees love having the retirement benefit and it makes our small business more attractive when hiring new employees.Our small business is just big enough to be required to offer a retirement benefit, but not big enough to have a dedicated staff member to set it up and manage it. As the CEO, I found it very easy to set up and maintain for current, and new, employees."
Joe Cain, CEO of Valley Bio Services
"Betterment is easy to use, reasonably priced, and provides a great benefit for our businessBetterment is easy to manage as a business owner, is good value for the money, connects to our payroll platform, and provides a variety of investment and matching options for our employees. I love that it integrates with Gusto, our payroll provider, so it's super easy to use. It's easy to set up matching within Betterment, and they give good reminders about compliance tasks."
Sarah Shimanek, CEO of Akasha Physiotherapy
"Great for those who aren't experts!I handle HR for our company and am not too familiar with 401K platforms. Betterment is very user friendly and their system is very smart. I also appreciate that their customer service is quick to answer and help ( with a real human! ) Our employees have positive things to say as well, it seems to be user friendly both on the employee and the employer side.It allows us to have a more competitive benefit package to offer our employees. This benefits us with retention and recruiting."
Katherine Scott, Human Resources of 5280 Floors
"The Best User-Friendly Benefits Provider. Sure, other providers can go very in-depth (to the point where not everything is clear at first glance), but Betterment can accomplish the same tasks in an efficient and easy-to-understand manner."
Evan Weissman, Human Resources Manager
Paid client of Betterment. $25 was given for this review which creates an incentive to recommend Betterment and is a conflict of interest. Views may not be representative, see more reviews at G2.

All-in pricing with no hidden fees.

Manage eligibility and coverage efficiently. We're transparent about our fees and don't hide future costs like some providers.
  • Control plan eligibility.

    Decide who can participate or be excluded from your plan, like seasonal or part-time workers.
  • Automatic force outs.

    Automatically remove terminated employees with low balances from your plan.
  • Fee flexibility.

    Decide what employees pay for and what your business covers. Transfer certain plan expenses back to former employees.
  • Only pay for active participants.

    Reduce fees by only paying for participants who fund their 401(k)s.

Powered by Betterment.

We pioneered a new way to invest, combining automation, investment choice, and fiduciary advisory services. Our 401(k) utilizes the same technology and expertise to support your business and employees.
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  • 56Billion
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    Weighted avg. app store rating as of 3.6.25 (reviews since: 9.10.10 Apple, 10.30.13 Google). See more.
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    Nerdwallet on 1.10.25 for Aug-Oct '24. See more

Still have questions?
We have answers.

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    FAQs

    Get instant answers to common questions.

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    Book a demo

    Get a demonstration of our 401(k)
    in action.

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    Resources

    Go in-depth on specific topics.

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    What is Betterment
at Work?

    Learn more about what we have to offer.

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Launch your 401(k) today.

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