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How is the IRA match calculated?

Published

You will be matched on net contributions made into your Betterment Roth and/or Traditional IRA account between the enrollment date and 12/30/24. The match will be paid out to your IRA on or around 12/31/24.

  • Rollovers are not matched with this offer.

EX: 

  1. You contribute $7,000 and do not make any withdrawals during the offer period. Your net contribution over the offer period is $7,000.
    1. You will receive a match of $70, or $210 if you are enrolled in the Premium match.
  2. You contribute $7,000 and withdraw $1,000 during the offer period. Your net contribution over the offer period is $6,000.
    1. You will receive a match of $60, or $180 if you are enrolled in the Premium match
  3. You contribute $7,000, rollover $10,000 to Betterment , and withdraw $5,000, all into your Betterment IRA during the offer period. We treat your withdrawal as removed from your rollover dollars first, meaning your net contribution is $7,000.
    1. You will receive a match of $70, or $210 if you are enrolled in the Premium match
  4. You contribute $7,000, rollover $10,000 to Betterment, and withdraw $12,000, all into your Betterment IRA during the offer period. Your net contribution over the offer period is $5,000.
    1. You will receive a match of $50, or $150 if you are enrolled in the Premium match

FYI - The minimum contribution you can make into a Betterment IRA is $10, which would receive a match of $0.10, or $0.30 if you are enrolled in the Premium match