Designed to help your money grow

Understand how much it costs to save, spend, and invest with Betterment.

Pricing at Betterment.

  • an illustration of a plant growing out of soil with a multicolored ring around it, symbolizing general investing

    Investing

    Expert-built stock and bond portfolios to help you build wealth.
    • $4

      monthly fee

      or

    • 0.25%1

      annual fee
    Start investing

    • $0 minimum balance
    • Multiple portfolio options
    • Advanced tax-saving tools
    • Automated rebalancing
    • Traditional and Roth IRAs
    1 1 The base price for investing accounts is $4/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 $250 or more or reaching a balance of $20,000 or more across your Betterment investing accounts—including Cash Reserve, and Crypto.  Learn more
  • Cash Reserve icon of a neat bundle of dollars

    Cash Reserve

    Grow your savings with our high-yield cash account.
    • No fee

    Grow your savings

    • 4.25% (variable) APY*
    • $0 minimum balance
    • Up to $2 million FDIC insured with program banks
    • Unlimited transfers
    Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients' brokerage accounts at Betterment Securities. 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. Learn more
  • checking icon of a debit card

    Checking

    Everyday spending with rewards and benefits.
    • No fee

    Start spending

    • $0 minimum balance
    • No ATM fees
    • FDIC-insured up to $250K
    • Earn cash back rewards
    Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Learn more

Calculate your investing cost.

Initial deposit
$4 monthly 0.25% annually
Recurring deposits or transfers
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Get started

The base price for investing accounts is $4/month. This automatically switches to an annual price of 0.25% on your investing account balance when you either:

  • Have a total Betterment balance of $20,000 or more across any investing accounts, crypto accounts, Cash Reserve, and cash goals you hold at Betterment, or
  • Set up a recurring deposit(s) or transfer(s) of $250/month or more into any account.

*Beginning July 8, 2024, Checking balances will no longer count towards your $20,000 balance threshold.

Benefits to better support you.

The technology and people here to help you with your money.
  • a simplified versions of a dashboard for managing tasks and information

    All-in-one dashboard.

    Seamlessly track all your accounts (including connecting those outside Betterment) from one place.
  • an abstract illustration of a chat dialog

    Expert guidance.

    Even before you make your first deposit, we provide advice to help you make smart money decisions.
  • an illustration of someone using the Betterment app to speak with a financial advisor

    Get in touch with us.

    Access our Customer Support Team, available five days a week via phone and email.

Curious how we make money?

We take transparency seriously around here, which means we keep our pricing and terms easy and straightforward:
  • For Checking, Betterment Financial LLC does not charge fees on your account. We make money from merchants when you use your Visa debit card.
  • For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks, and Betterment LLC and Betterment Securities do not charge fees on your CR balance.
  • For Investing and retirement accounts, Betterment LLC charges an annualized asset-based fee (or minimum monthly fee) which covers all of our trading and management costs.
  • Tax savings can pay your fee.

    69% 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.
  • Recurring deposits can help you earn even more.

    Over the last decade, customers who automated their deposits earned 6% higher annual returns than those who did not.
    10-year annualized return based on Betterment internal calculations for the Core portfolio. See more in disclosures.

Questions about our pricing:

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