Welcome! Let's Get Started.

Betterment is an online financial advisor that uses technology to efficiently manage your money and help increase returns. Sign up today and get up to one year managed for free.

Open an account

Step 1: Tell us a bit about yourself.

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

Step 2: We'll build you a portfolio.

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

Step 3: We put our magic to work.

And we keep working. Once we get you set up, we'll manage your portfolio with tax-smart technology.

Built for better returns.

We’re designed to help you make more over time. We take sophisticated investing strategies and make them better with modern, tax-smart technology.

Unlimited personalized advice.

Burning questions? Send 'em our way. You get unlimited access to licensed financial experts (read: real live people)—anytime, anywhere.

One low fee, starting at 0.25%.

Hidden costs? Nowhere to be found. No matter who you are or how much money you invest, you get everything for one low, transparent fee.

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Experience the new way of investing. Sign up today.

Start investing smarter

Get started
In the press

Here's what people are saying.

"A high-quality, low-cost, customer-service-oriented experience."

Wall Street Journal

"Betterment became the first independent robo-advisor to reach $10 billion in assets under management."

FastCompany

"Automated investment advice is one of the hottest areas for investors...and Betterment is the market-leading independent."

Business Insider