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Calculate how much you’re on track to spend in retirement per year, based on your total savings and Social Security benefit.

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Experience Betterment's advanced retirement planning tools.

At Betterment, we believe in giving you a sense of your full financial picture. It’s key in helping you achieve that nice little retirement you’re planning. How do we do it? With our suite of planning tools and holistic retirement advice.

  • Tell us a bit about you.

    We’ll get to know you on our platform. What does your dream retirement look like? How much have you saved?

  • Sync external accounts.

    We’ll project your retirement income, provide a plan, and analyze your accounts outside of Betterment.

  • Track your progress.

    Our advice is integrated with your goals. See where you stand and how you can stay on track for retirement.

  • We’ll manage it.

    With your goals in mind, we’ll build you a personalized portfolio and manage it with tax-smart technology.

Betterment retirement advice on screen

Retirement advice designed for you.

Our advice involves more than just settling on a final number. We’ll help you find high fees, idle cash, and allocations out of line with your goals. And we’ll help you figure out how to save and how much to save to help stay on track for the retirement you deserve.

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.