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Earn up to 5.50% (variable) APY* for 3 months when you open your first cash account with a qualifying deposit. New customers only. Terms apply.  Learn more

Investing should always be this easy

Expert-built portfolios.

Invest like a pro with diversified portfolios (and skip the hassle of picking stocks).

Tax-efficient investing.

Strategies like Tax Loss Harvesting+ and asset location help minimize your taxes and maximize your returns. 

Ongoing optimization.

We continually monitor your investments, rebalance your portfolio, and reinvest your dividends.

Tax savings can pay your fee.

78% of customers using our tax-loss harvesting feature had their taxable advisory fee covered by likely tax savings (in 2022).
Fee coverage and estimated tax savings based on Betterment internal calculations. See more in disclosures.
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Investing for you, managed by us.

Step 1

Tell us a little bit about yourself.

Everyone’s financial situation is different. Get personal recommendations based on what you want to accomplish, whether that’s retirement or simply building wealth.

Step 2

Choose how you want to invest.

Pick one of our diversified portfolios that interests you. They’re built by experts using low-cost exchange-traded funds.

Step 3

We put your money to work.

Automated trading, rebalancing, and dividend reinvestment, we put our technology behind every dollar you invest.

Get started

There’s more to investing than just retirement.

Investing means aligning money with something meaningful to you. Whatever your dreams are, you can use our technology and expertise to help make them a reality.

  • Pay for a wedding

  • Save for education

  • Buy a home

  • Build wealth

What customers say about investing at Betterment:

  • Saves the stress and hassle of handling retirement savings myself.

    David S.

  • "I trust the automated algorithms better than my picks."

    Eric K.

  • It's a good "set-it-and-forget-it" investing tool for my family.

    Casey M.

Non-paid client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store.

Always acting in your best interest.

We can’t control the ups and downs of the market, but you can have confidence we’re doing right by you and your investments.
  • A lightbulb with Betterment logo on it inside a shield.

    We’re a fiduciary.

    We are an SEC-registered investment advisor, which means we’re legally bound to put your interests first when investing your money.
    Learn more

  • A pile of cash surrounded by a rope barrier.

    Member of SIPC.

    Protects securities customers of its members up to $500k (including $250k for claims for cash). Explanatory brochure available upon request or at sipc.org.

  • A coin going into a slot.

    Fees in line with service.

    No commissions or upsell. We’re motivated by what’s best for you, our fees are tied to how your account grows.

A low fee for big dreams.

For just $4 a month or 0.25% annually, you get all the benefits of automated investing: expert-built portfolios, ongoing guidance, and tax-efficient strategies at just a fraction of the cost of a traditional advisor. 

Recurring deposits can help you earn even more.

Over the last decade, customers who automated their deposits earned 6% higher annual returns than those who did not.
10-year annualized return based on Betterment internal calculations for the Core portfolio. See more in disclosures.
Learn more about pricing
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Looking for more? Put a team of advisors in your corner with Premium.

Get on-demand support and a tailored plan from our team of financial advisors. No matter your goals or situation, they’ll offer guidance so you can take every step with confidence.

Minimum balance required.

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A Certified Financial Planner virtually says let’s look at adjusting your portfolio to a customer who is sitting on a chair with a laptop.

Ready to be invested?

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