# A low fee that works for you ## How inexpensive is automated investing? ##### $0 - $24K balance # $5 Monthly ##### $200+ monthly recurring deposit or $24K - $1M balance # 0.25% Annually ### Grow your money at a price worth paying. Your fee unlocks all the benefits of automated investing: expert-built portfolios, ongoing advice, and tax-saving technology. Plus, eligible balances [*](https://www.betterment.com/pricing#faq) over $1M automatically receive progressive fee discounts. The base price for investing accounts is $5/month. You automatically switch to an annual price of 0.25% on your investing account balance by setting up recurring monthly deposits or transfers totaling $200 or more or reaching a balance of $24,000 or more across your Betterment investing accounts—including Cash Reserve. [Learn more](https://www.betterment.com/help/tag/fees) Betterment’s pricing for traditional investment portfolios begin at $5/month on your assets, with no minimum balance. [See additional pricing information.](https://www.betterment.com/pricing) ## Investing in yourself should pay for itself. ### Tax savings covered their fee. Though our fee is low, not paying it is even better. Thanks to tax-saving technology, your fee could pay for itself, and then some. ### Automation can earn you more. We use technology to optimize your investments faster than a human can. From trading to rebalancing to reinvesting, we work to enhance your returns and save you time in the process. Based on 2022-2023. Tax Loss Harvesting (TLH) is not suitable for all investors. Consider your personal circumstances before deciding whether to utilize Betterment’s TLH feature. Fee coverage and estimated tax savings based on Betterment internal calculations. [See more in disclosures.](https://www.betterment.com/pricing#hs_cos_wrapper_footer_disclosures_set) ## Trade stocks and ETFs with no commission fees. ### Self-directed investing Trade stocks and ETFs on a platform you trust. You’ll pay no trading commissions, and Betterment’s management fee doesn’t apply. Betterment waives its wrap fee on assets in self-directed investing accounts. ## No fees on cash. What you earn is what you keep. ### New customer offer Cash Reserve Grow your savings with a high-yield cash account with no monthly fees. APY is variable. Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by [Program Banks](https://www.betterment.com/cash-portfolio), subject to certain conditions. [Learn more](https://www.betterment.com/pricing#hs_cos_wrapper_footer_disclosures_set). ### Checking Everyday spending with no overdraft fees and ATM fees reimbursed. ## Unlock more with Premium. Access to an advisor when you want along with Premium benefits for a 0.65% advisory fee—a fraction of what traditional financial advisors cost. Plus eligible balances [*](https://www.betterment.com/pricing#faq) over $1M automatically receive progressive fee discounts. ### 0.65% annual management fee - Tax savings can pay your fee. 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.](https://www.betterment.com/#percentageclaims) - Recurring deposits can help you earn even more. Over the last decade, customers who automated their deposits earned higher annual returns than those who did not. ## Questions about our pricing: - **How are the fees taken from my account?** Fees are taken right from your Betterment Investing account at the end of each month. No action is required on your part, and we'll never charge fees if you don't have a balance. Our fees are calculated based on your daily balance of assets under management and assessed monthly, and add up to $5/month or 0.25% annually for investing accounts, and 0.65% for our Premium plan. - **Are there discounts if I hold a high balance?** Yes. If your eligible household investing balance exceeds $1 million, you’ll receive a discount on Betterment’s management fee. - **$1–$2 million**: 0.15% (15 bps) annual fee on the portion within this tier - **Over $2 million**: 0.10% (10 bps) annual fee on the portion above $2 million These discounted rates apply automatically to your eligible investing balances. The Premium benefits still apply above $1 million, even though the additional 0.40% Premium fee is not charged beyond the first $1 million. - **How does Premium pricing work?** Premium requires a minimum eligible investment balance of $100,000 and offers access to financial experts and exclusive benefits. The annual advisory fee is 0.65% on the first $1M, which consists of a 0.25% Digital base fee and an additional 0.40% Premium fee. Eligible investing dollars greater than $1M are charged at a discounted rate of: - $1–$2M: 0.15% - $2M+: 0.10% **Premium benefits still apply, without the added cost, for dollars over $1M.** Fees are calculated daily based on your balance and assessed monthly. They are automatically deducted from your investing account. Only eligible investment accounts are included in the balance calculation to reach these fee discounts. - **What counts towards the minimum balance for Premium?** Premium requires a minimum of $100,000 in eligible investments with Betterment per household to upgrade and maintain eligibility in the plan. Assets can be in your IRA, HSA, Solo 401(k) and taxable investing accounts. - **Are there fees on deposits, withdrawals, or ETFs?** Betterment will construct your portfolio with ETFs, a type of security that generally tracks a broad-market stock or bond index but trades like a stock on a listed exchange, and these ETFs have embedded fund fees. Betterment does not receive any portion of these fund fees and these fees are in addition to our management fees ($5/month, 0.25% annually for Digital, and 0.65% annually for Premium). - **Does it cost more to get additional help if I need it?** Our Customer Support Team is available at no additional cost to help you with any technical or account management questions.