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Make the most of your money

Our retirement recommendations could increase returns by 1.48% compared to those of the typical investor.

Our mission is to help our customers maximize their money.

Whether you're new to investing or a seasoned pro, Betterment does what is right for you and your money. Our retirement recommendations could increase returns by 1.48% compared to those of the typical investor.

How it Works
Investment Expertise

Lean on your team of licensed experts.

Our technology helps you get the returns you deserve, and our licensed experts are here to talk if you need them. We don't get paid to sell certain funds, and we don't have funds of our own. That means we'll do what we believe is right for you.

Meet your experts
Clear View Of Your Money

Monitor your financial accounts in one place.

Get a clear view of your net worth by syncing your outside accounts, such as bank accounts and other investments. You can also see how much your outside accounts are costing you in fees and uninvested cash.

Read about our advice
Proven Investment Strategies

Invest in a portfolio built on Nobel Prize-winning research.

Our investment philosophy is backed by decades of research that comes to an important conclusion: Over the long term, a diversified portfolio of low-cost index funds is likely to outperform a high-cost, actively managed portfolio.

Explore our portfolio
Satisfaction Guaranteed

Your happiness is our priority.

If you are not 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 90 days.

Learn more

Explore your first goal

Safety Net

This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.

Retirement

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.

Smart Saver

You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.

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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