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


Invest today and make the most of your money.

Betterment is an online financial advisor that brings you personalized portfolios and tax-smart technology, all for one low fee of 0.25%—a quarter of what you’d typically pay for advice.

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Tell us about your financial goals

Where are you in your financial life and what are you investing for? Dream vacation? Down payment? Retirement?

We’ll build you a personalized portfolio

Based on your answers, we’ll recommend an investing plan and use our technology to build you a personalized portfolio.

We’ll put our magic to work

Our smart technology helps minimize taxes and maximize take-home returns so you can make the most of your money.

Betterment portfolio on desktop and phone

Personalized advice based on your needs

Financial goals and life events tend to come with so many questions. Our tools, technology, and experts are here to help guide you along the way. After you answer a series of questions, we’ll make recommendations about risk level, amount to invest, and the right account to hold.

Our goal: To save you more on taxes than any other service

We're always thinking about ways to lower your taxes (and, thus, help you keep more of your money). Unlike many traditional investment managers, we automate advanced tax-saving strategies, like asset allocation and tax loss harvesting. Read more about our tax-saving strategies here.

Our commitment to you

The Betterment Satisfaction Guarantee

At Betterment, we’re committed to providing you with a great investing experience. If, for any reason, 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.

Low management fees

We combine proven investment strategies with technology to drives down costs.

No additional trading fees

We don't charge you transaction fees to buy and sell securities.

No additional transfer fees

There are no fees for depositing or withdrawing from your account.

Unlimited rebalancing

We rebalance your portfolio efficiently and automatically—at no additional cost to you.

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* Based on PriceMetrix State of Wealth Management 2015 report.