Tools and Calculators

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

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 Does Betterment Calculate Investment Returns?

Use our interactive tool to see the difference between time-weighted, money-weighted and simple return.

How to Make a Tax-Smart Investment Switch

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

Asset Location Calculator: See the Potential Benefits of Tax-Coordinated Portfolio™

Try our calculator to estimate additional after-tax returns with Tax-Coordinated Portfolio™.

Traditional or Roth 401(k)? Decide with This 401(k) Calculator

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?

We’ve created a quiz for you to see how much you know about investment diversification.

Why Comparing Returns Is a Bad Way to Choose an Investment Manager

Short-term or recent returns give little information about future returns, and they increase the odds you’ll make a bad decision.

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.

IRA Calculator: Which Is the Right Type for Your Savings Goals?

Betterment’s IRA calculator can help you determine whether a traditional or Roth IRA is best suited for you.

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