Free for 90 days: Sign up now and get 90 days managed free after your first deposit. See offer details

Coming soon: our new one-on-one advice packages. Learn more

Now available: our new one-on-one advice packages. Learn more

Get your entire Smart Saver balance managed free for 3 months. Enroll today

Get your entire Smart Saver balance managed free for 6 months. Enroll today

Introducing Smart Saver: You could earn 1.83% with our low-risk investing account for your extra cash.* Learn more

Your after-tax return is what matters

Other investment managers may estimate your long-term returns, but they might not be factoring in a key element that could lower what you take home: taxes.

Round-the-clock Technology

Our goal is to save you more on taxes than any other service.

We're always thinking about ways to lower your taxes. Unlike many traditional investment managers, we automate advanced tax-saving strategies, like asset location and tax loss harvesting.

Advanced Tax-saving Strategies

Increase your portfolio value by an estimated 15% over 30 years.

We're the only investment company that offers automated asset location, a strategy that could increase your portfolio value by an estimated 0.48% each year, or 15% over 30 years.

Every moment with Betterment is a chance to lower taxes.

When you choose what type of account to invest in...

We focus on taxes.

Learn which combination of traditional, Roth, and taxable accounts—which are all taxed differently—may be right for you.

When we build your portfolio...

We use ETFs.

Exchange-traded funds are generally more tax-efficient and lower-cost than mutual funds, which is why we have an all-ETF portfolio.

We organize assets based on taxes.

Municipal bonds (which provide tax-exempt income) go into your taxable accounts, and core bonds (which do not) go into your tax-advantaged IRAs.

High-tax assets belong in IRAs and low-tax assets belong in taxable accounts. For customers who use our Tax-Coordinated Portfolio feature, we automate this strategy, which can increase your portfolio value by an estimated 15% over 30 years.

When you make a deposit or receive dividends...

We rebalance.

Rebalancing can help protect your portfolio from market volatility, but doing it by selling securities can cost you in taxes. To help avoid this, we rebalance using deposits and dividends.

When you make a withdrawal or change your allocation...

We show you the possible tax consequences.

We'll help you to see the potential tax implications before you make a transaction.

We work to minimize transaction taxes.

To help lower transaction taxes, we sell your assets in a specific order—the ones with the lowest tax burden go first.

When a fund gains value...

We help you maximize the benefits of charitable giving.

To help you make the most of your charitable gifts, we enable you to donate your most appreciated shares directly through our platform. This helps reduce your portfolio's tax liability.

When a fund loses value...

We tax loss harvest.

When investments lose value, you can sell them to help offset the taxes that come with income and capital gains. For customers who use our Tax Loss Harvesting+ feature, we look for these opportunities daily, which may add an estimated 0.77% per year to your after-tax returns.

How would you like to get started?

Your first step toward a smarter investing future starts here.

Create a Betterment account

Go ahead and join the smart, modern way to invest.

See what we can do for you

Tell us a bit about yourself, and we'll show you the benefits of investing with us.

Get a free investing checkup

Help us get a sense of your investing approach and see how you could improve.

Transfer a 401(k) or an IRA

Move an existing retirement account into a Betterment IRA.

Download the mobile app

Enjoy the Betterment experience anywhere on the go.

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.

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