An easy way to invest & save

We put your money to work so you can take it easy. Build wealth with automated investing, earn more on your cash with variable 4.50% APY*, and grow your retirement with tax-advantaged IRAs.

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A smartphone containing an over view Of bettermen's offerings. The accounts pictured include our Cash reserve, investing, and IRA offerings.

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  • buyside-navy
    Best Overall
    Robo Advisor 2024
  • Grey90-1
    ★★★★★
  • apps
    4.7 rating
    65,900 reviews§

The following entities provided the above to Betterment LLC: (1) Buy Side - on 1.12.2024 for 2024; (2) Nerdwallet - on 1.02.2024 for Aug - Oct 2023. The Betterment App store rating is as of 9.12.24 (based on reviews since 9.10.2010). No compensation was provided for this recognition. See full disclosures for award details.

Take the stress out of investing with automation.

Get a diversified, expert-built portfolio to help you invest like a pro. We manage your money for you—helping minimize taxes and maximize returns—while you focus on living your life.

  • Curated portfolios, including sustainability, tech, and crypto
  • Automated rebalancing and dividend reinvestment
  • Tax-efficient tools to help boost your after-tax returns
  • Recurring deposits can help keep your money on track
Start investing Learn more
A general investing user interface card showing the investing mount, Betterment Core portfolio strategy, and auto adjust on, with a robot arm assembling an allocation chart behind the card.
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How we help you get more from your money.

  • Tax savings can pay your fee.

    78% of customers using our tax-loss harvesting features have their taxable advisory fee covered by likely tax savings.
    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.
  • Recurring deposits can help you earn even more.

    Customers with automated deposits earned 6% higher annual returns than those that did not.
    Based on Betterment's internal calculations for the Core portfolio. Users in the "auto-deposit on" groups earned an additional 1% annualized over 5 years and 6% over the last year. See more in disclosures.

Put more power behind your savings with 4.50% variable APY.*

Don’t let traditional savings accounts keep your money from growing. Our high-yield cash account earns interest at nearly 10x the national average.**

  • No fees or minimum balance, just $10 to get started
  • Up to $2M FDIC insurance with our program banks
  • Unlimited withdrawals
  • Transfer cash to investing accounts seamlessly
Start saving Learn more

For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.

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Make saving for retirement easy with an IRA.

Feel confident saving for retirement with one of our IRAs. Get tax benefits along with our automated technology and full suite of planning tools.

  • Traditional, Roth, and SEP IRAs
  • Rollovers could save you on high fees and hassle
  • Planning tools to help you save for retirement

Give your retirement a boost

Fund your future with our dollars! We’ll match 1% of your net Roth and traditional IRA contributions until December 30, 2024.
 
Click here to learn how to claim your offer.
Conditions apply. See offer terms.
Open an IRA Learn more
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Here's what our customers have to say about us

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

    Casey M.

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

    David S.

  • "I like the different types of accounts offered, the high APY, and how easy it is to check my accounts on mobile."

    Karen G.

  • "Set-it-and-forget-it investing. Low fees. Easy to see my financial status at a glance."

    Andrew C.

  • "The climate change portfolio is great. I like being able to plan for retirement while knowing my savings are not supporting Big Oil!"

    Julie O.

  • "It's easy to select stock and bond allocation for your risk type."

    Michael M.

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

Ready to get started? Check out our most popular accounts.

  • INVEST

    Automated investing

    Build wealth with diversified, expert-built portfolios.
    Start investing
    An image showing our core, innovative, and Goldman Sachs Portofolios
  • SAVE

    High-yield cash

    Earn more interest on your savings with 4.50% variable APY.*
    Start saving
    Portfolios
  • RETIRE

    IRAs

    Grow your retirement savings with a tax-advantaged IRA.
    Open an IRA
    IRAs
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For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.

Still have questions?

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