Build your wealth in the background
Build your wealth in the background
Investing and saving shouldn’t take over your life. Let our automation and tax-saving tech do the work for you.
Invest with fewer
tax surprises
Our trading algorithms take tax optimization to a level that’s
practically impossible to replicate on your own.
Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by Program Banks, subject to certain conditions. Learn more.
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Boost your savings up to 3.90% APY (variable) through January 15, 2026. New customers only. Terms apply.
Claim your offer -
Results for the long term
Since its launch, our Core portfolio has delivered over 9% composite annual time-weighted returns after fees. Learn more
Start with our most popular accounts.
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INVEST
Automated investing
Build wealth with diversified, expert-built portfolios. -
SAVE
High-yield cash
Earn more interest on your savings with 3.25% variable APY. -
RETIRE
IRAs
Grow your retirement savings with a tax-advantaged IRA.
Invest the way you want.
Choose from thousands of stocks and ETFs with Betterment by your side.
- See tax impact before you sell
- Trade fractional shares
- Pay no commission or management fees
INVEST Investing should always be this easy.
We manage your money for you—putting our technology behind every dollar you invest—so you can focus on living your life.
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Ongoing optimization
Invest across global markets and asset classes to better build wealth through market cycles. Investors in our Core portfolio earned ~10% annual returns on average. (Since launch date) -
Save more in taxes
We use tax-loss harvesting to help turn market dips into tax savings. In fact, nearly 70% of customers using tax-loss harvesting covered their taxable advisory fees through estimated tax savings. -
Build wealth without the busywork
Choose one of our expert-built portfolios with all the trading, rebalancing, reinvesting, and tax management done for you.
As of 12/31/2025, and inception date 9/7/2011. Composite annual time-weighted returns: 20.1% over 1 year, 9.3% over 5 years, and 10.1% over 10 years. Composite performance calculated based on the dollar-weighted average of actual client time-weighted returns for the Core portfolio at 90/10 allocation, net of fees, includes dividend reinvestment, and excludes the impact of cash flows. Performance not guaranteed, investing involves risk.
Save Boost your savings with a high-yield cash account.
Don’t let traditional savings accounts keep your money from growing. Whether saving for an emergency fund or a big goal, our high-yield cash account is ~10x the national average.
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$0 fees
Forget any monthly or maintenance costs—what you earn is what you keep. -
$4M FDIC insurance
Enjoy FDIC insurance up to $2 million ($4 million for joint accounts) with our program banks. That’s 8x the standard. -
Move money with ease
Easily transfer cash to your investing account, set up recurring savings, and withdraw funds anytime you need.
RETIRE Feel confident about retirement with an IRA.
Learn more
See why 1M+ customers trust us to manage $65B+ of their money.
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
"Excellent place to make your money work for you."
"It's a good 'set-it-and-forget-it' investing tool for my family."
"Saves the stress and hassle of managing retirement savings myself."
"Because of the opportunity to invest in a better future - the climate change portfolio is great."
"Portfolio options are clear, cost effective and well implemented."
Clients. Views may not be representative. See App Store & Google Play reviews.
Still have questions?
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Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.
We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.
For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest.
For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
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Customer support team members are available five days per week to answer questions about your account.
If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.40% on your invested balances (with a minimum investing account balance requirement of $100,000 across eligible balances).
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Betterment Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SIPC does not protect against market changes in your investing account.
Individual Cash Reserve accounts have FDIC insurance up to $2 million and joint Cash Reserve accounts offer up to $4 million in FDIC insurance once funds are deposited into our program banks.
Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $250,000 per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.
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Our team of investing experts make decisions about our portfolio strategies and fund selection with the help of an external committee of economists, PhDs, and industry experts.
More than just a portfolio management team, our experts work to develop improvements to our Tax Smart technology, our cash analysis tools, and other advanced strategies.