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Betterment

Save, invest, retire

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SMART INVESTING FOR THE LONG-TERM

It can be hard to reach your financial goals, even in the best of times. Betterment is built to help you achieve them, with expert guidance and automated investing tools.

Get started

SMART INVESTING FOR THE LONG-TERM

It can be hard to reach your financial goals, even in the best of times. Betterment is built to help you achieve them, with expert guidance and automated investing tools.

Get started

Built to help you succeed.

The market will go up and down, but your goals are still your goals. By following our recommendations, you could earn 38% more money over 30 years compared with an average investor.

Fiduciary advice for your needs.

It all starts with you and your best interest. No matter what you’re saving for, we’ll give you advice—even on accounts held outside of Betterment—to help you reach your financial goals.

Learn more

Investing for your financial goals.

Tell us what you’re investing for, and we’ll recommend a diversified portfolio that’s right for you and your situation. Our automated investing and tax-saving strategies include portfolio rebalancing, tax loss harvesting, and asset allocation—all at no extra cost.

Our investing philosophy

One low, transparent fee.

It’s critical that you keep more of the money you earn. Our 0.25% annual fee is a fraction of what most traditional advisors charge—about $25/year for every $10,000 you invest.

See pricing

Your satisfaction is guaranteed.

We’re committed to giving you a great experience. If you aren't completely satisfied with your Betterment account, we’ll do everything we can to make it right—up to and including waiving Betterment's management fees for the next 90 days.†

Start investing

How would you like to get started?

Manage spending with Checking

Checking with a Visa® debit card for your daily spending.

Save cash and earn interest

Grow your cash savings for general use for upcoming expenses.

Invest for a long-term goal

Build wealth or plan for your next big purchase.

Invest for retirement

Set up traditional, Roth, or SEP IRAs to save for the golden years.

Not quite ready? Take a look under the hood.

Exploring a new investment tool or financial advisor isn't easy. Dive into the details with our guide on how Betterment works.

* Based on the 2015 PriceMetrix State of Wealth Management Report.

If for any reason you are not completely satisfied with Betterment's services, at your request Betterment will waive its asset‑based advisory and brokerage fees for an upcoming period of 90 days. This guarantee only applies to the fees charged by Betterment. No other fees, expenses, or market losses will be waived or reimbursed under this guarantee, including, but not limited to, the fees charged by issuers of particular securities and the fees charged by third-party advisors in the Betterment Advisor Network. Betterment reserves the right to discontinue or modify this guarantee in the future at any time in its sole discretion. This guarantee does not apply to accounts held through the Betterment for Advisors or Betterment for Business platforms.