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
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
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
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
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
How would you like to get started?
Manage spending with Checking
Checking with a Visa® debit card for your daily spending.
Save cash and earn interest
Grow your cash savings for general use for upcoming expenses.
Invest for a long-term goal
Build wealth or plan for your next big purchase.
Invest for retirement
Set up traditional, Roth, or SEP IRAs to save for the golden years.
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.