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Betterment investing app on laptop and phone

Start Investing without the hassle

Whether you're new to investing or a seasoned pro, Betterment aims to do what’s right for you and helps you invest with personalized investment advice.

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Invest in portfolios designed by experts.

We estimate Betterment's retirement recommendations could increase returns by 1.48% compared to those of a typical investor.

Start a portfolio

Our low 0.25% fee is low and transparent.

For digital advice, you pay a small percentage of your balance annually and we have no minimum balance. That's far less than many traditional financial advisors, and it means our interests are aligned to yours.

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Betterment portfolio on desktop and phone

We build you a portfolio and handle all the trading.

Once you tell us why you're investing, we recommend a portfolio and manage it from there.

  • We put every penny to work. Fast.

    We trade fractional shares, which means all your deposits—and dividends you earn—are fully invested into the market. That means far less cash dragging down your returns.

  • We rebalance with precision.

    There's no rebalancing schedule at Betterment. Portfolios rebalance automatically once your allocation of stocks and bonds drifts far enough from its target.


We're your fiduciary. We do what's right for you.

  • We don't sell our own funds.

    Other providers earn more by selling their own funds. We don't have that conflict of interest.

  • We'll help you save.

    We'll tell you which tax-advantaged accounts to choose and which providers may be charging you high fees.

See how it works

Your satisfaction is guaranteed.

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

Start investing

Not quite ready? Take a look under the hood.

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

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.

* 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.