Referral offer Your friend sent you a limited-time offer
Join Betterment, open and fund a qualifying account, and you can earn rewards: a $150 investing bonus, a 0.75% APY boost on Cash Reserve balances up to $1M for three months—or both!
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.
Annual percentage yield (variable) is 3.25% as of 12/12/25, plus a 0.75% boost (“APY Boost”) on balances up to $1M with a qualifying deposit by referral recipient. $10 min deposit for base APY, $100 min deposit for individual investing bonus. Terms apply; if the base APY changes, the Boosted APY will change.
Invest Automated investing, optimized for the long-term.
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 over the last 10 years.
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 with ease
Choose one of our expert-built portfolios with all the trading, rebalancing, reinvesting, and tax management done for you.
Cash 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.
No hidden fee(s)
Forget any monthly or maintenance costs—what you earn is what you keep.
$8M FDIC insurance
Eligible cash is FDIC insured up to $8 million (joint) or $4 million (individual) at our program banks, subject to certain conditions. That's 16x what most firms offer.
Move money with ease
Easily transfer cash to your investing account, set up recurring savings, and withdraw funds anytime you need.
Join 1 Million+ customers who trust us with $70 Billion+ of their money.