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Save, invest, retire

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Save for retirement


Retirement has always been about the long term. We'll help you take the guesswork out of the equation with our guidance and planning tools.

Save for retirement

No two retirements are exactly alike.

So we don't treat them like they are. Tell us about you, your family, your current savings, and your retirement goals. We'll create a personalized plan and recommend the right accounts to help you save for the life you envision.

Your money, always at work.

We think a potential 38% extra looks pretty good on any number. Betterment's retirement advice and ever-ready tax-smart technology can help over the long term.

You could earn an estimated 38% more over 30 years.

You could earn an estimated 38% more over 30 years.

Forecast your future.

With our projected spending tool, you'll see how much you can expect to spend during retirement. And when you reach the golden years, you can set up auto-withdrawals directly to your checking account.

Our retirement income solution

IRAs: A step toward secure retirement.

With an individual retirement account (IRA), you can save with tax advantages on your own. Or, if you're looking to max out your retirement savings for the year, you're in the right place.

Open an IRA

Traditional, Roth, SEP, Roth conversion

  • Find the right IRA for you.

    Tell us what your dream retirement looks like. We'll set up a personalized plan and recommend the right IRA account for you.

  • Automate your savings.

    We'll help keep you on track with regular auto-deposits and account rebalancing, and we'll make sure you're up-to-date on what your money is doing.

  • Plan beyond retirement.

    Continue to build out your savings goals within Betterment. The more we can be part of your financial life, the smarter we can manage your money across accounts.

A better home for your retirement savings.

Roll over an old 401(k) or IRA and build a plan for the golden years with our personalized advice.

You could pay 60% less in fees.

And who doesn’t want to hold onto more of their own money? Rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.1

We do what's right for you.

Unlike many other investment firms, we don't sell our own funds. As your fiduciary, we're committed to your best interests—before you even fund an account.

Simple rollovers for any account.

The financial world still requires some good old fashioned pen and paper, but we've made it possible to initiate rollovers from many providers in as little as 60 seconds. If you need any guidance, we're on hand to help.

Ready to write your retirement story?

Save for retirement

Did you know? Betterment offers 401(k) plans.

Learn more about what Betterment can do for your company.

Betterment 401(k)

Getting into the details