Are you investing correctly for a comfortable retirement?

Are you investing correctly for a comfortable retirement?

Now you can get on track, with Betterment's RetireGuide™

Feel confident that you're on the right track.

RetireGuide calculates your retirement gap, or the difference between how much money you'll have and how much you'll need. Unlike other retirement tools, RetireGuide takes everything in your life into account: where you live, your current savings, your income and tax rate, and your spouse's holdings. Your RetireGuide plan refreshes daily based on your account balances to give you more accurate advice. Learn more.

  • A Consolidated View of Your Retirement

    Get one place to sync and view all of your savings accounts — even if they’re with other providers.

  • A Plan That Grows with You

    Your customized plan automatically reflects market changes and is ready to adjust to the shifts in your life.

  • Smarter Technology

    Our approach is based on extensive research and backtested to provide a tailored experience.

Invest the smarter way today to have the comfortable retirement you deserve.

Take control of your retirement — roll over to Betterment in 60 seconds.

Roll over an old 401(k) or IRA into Betterment’s diversified portfolio, with the optimal level of risk for your retirement goals. Or, open an IRA today.

Rollover Concierge, At Your Service

"We're here to serve you 7 days a week. Betterment provides a dedicated rollover concierge to each customer rolling over retirement assets. Betterment support is available to speak with your current 401(k) or IRA provider to make sure the transition of assets is completed smoothly."

Archana Burra | Rollover Concierge

Retirement Income safeguards your future.

Never run out of money. We use technology, investment expertise, and a fresh take on withdrawal methodology to provide sustainable cash flow while you enjoy retirement. Learn more.

Betterment is your personalized investment manager.

  • Low Cost

    Investing with Betterment over a mutual fund could save you $162,000 in fees over 30 years. That's enough to buy a small boat.

  • Personalized Advice

    Our goal-based investing framework and advice algorithms let you know if you are on track to reach your investment goals in seconds.

  • Better Portfolio

    The Betterment portfolio is designed to achieve optimal returns at every level of risk.

Your investments are safe with Betterment.

Our investment experts constantly evaluate the best ways to put your money to work. Betterment portfolios are completely liquid, and you can access your money at any time.

  • Alex Benke, CFP®

    Holistic Financial Planning

  • Dan Egan, MsC

    Quantitative & Behavioral Finance

  • Lisa Huang, PhD

    Quantitative Portfolio Management

  • Rukun Vaidya

    Capital Markets & Trade Execution

Start your retirement plan
I am years old and
  • Not Retired
  • Retired
My annual income is .

Try our advice — it's included with your Betterment account at no additional cost.

Try RetireGuide Now
To learn more about our methodology and projections, see our FAQ