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Tools and Calculators

Invest better and plan for the future with our free interactive tools

How Does Betterment Calculate Investment Returns?

Understanding and using time-weighted and money-weighted returns within your Betterment dashboard.

Quiz: How Easy Is It to Beat a Buy-and-Hold Portfolio?

One of the illusions that many investors have is that it’s worth trying to beat the market. It’s time to put your knowledge to the test and take our quiz.

How to Make a Tax-Smart Investment Switch

Calculate the value of realizing gains to move to a potentially better investment.

How Does Betterment Calculate Investment Returns?

Understanding and using time-weighted and money-weighted returns within your Betterment dashboard.

How to Decide: Traditional 401(k) or Roth 401(k)?

Many employer-sponsored retirement plans now offer a Roth 401(k) in addition to a Traditional 401(k). Use our calculator to find out which is a better fit for you.

How Much Social Security Income Can You Expect?

Not sure how much Social Security income to expect in retirement? Let Betterment’s calculator show you.

This Calculator Helps You Decide Whether to Invest in a 401(k), IRA, or Both

Should you invest in a 401(k) or IRA? Betterment’s calculator helps you do the math and decide.

4 Myths About Diversification

What is diversification? Many investors know that they should be diversified, but don’t understand what that really means. Here, we break it down for you—along with four big misconceptions about being diversified.

Quiz: Do You Understand Diversification?

Research shows most people don’t understand how much diversifying their investments impacts their performance. We’ve created a quiz for you to see how much you know about investment diversification.

How We Use Your Income to Calculate Retirement Spending

Learn how your current income plays a role in calculating your desired retirement spending level in the future.

Quiz: How Easy Is It to Beat a Buy-and-Hold Portfolio?

One of the illusions that many investors have is that it’s worth trying to beat the market. It’s time to put your knowledge to the test and take our quiz.

It’s About Time in the Market, Not Market Timing

Explore how the length of an investing period impacted annual returns from 1928 to 2014.

Investment Selection: Building Portfolios, Fund by Fund

Building and managing an investment portfolio is a bit like building a piece of furniture. Here are the tools we used.

For more information and disclosures about the Betterment Resource Center, click here. | See our contributors.

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