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Earn up to $1,500. Open any individual investing account and make a deposit to earn up to $1,500 on us.

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Investing and saving shouldn’t take over your life. Let our automation and tax-saving tech do the work for you.

Image is hypothetical. Boost your savings up to 3.90% (variable) APY Get a boost on your savings for 3 months. Your boost stays locked in, even if our base rate changes. Terms apply. Enroll and earn up to $1,500 The more you invest, the more you can earn. Terms apply.

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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

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  Results for the long termSince its launch, our Core portfolio has delivered over 9% composite annual time-weighted returns after fees. Learn more

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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Start with our most popular accounts.

Join over 1 million people building wealth with confidence and ease.

• 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

Automated investing

Build wealth with diversified, expert-built portfolios.

SAVE

High-yield cash

Earn more interest on your savings with 3.90% 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

Start investing Learn more

Betterment waives its wrap fee on assets in self-directed investing accounts.

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)
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  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.
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  Build wealth without the busywork

  Choose one of our expert-built portfolios with all the trading, rebalancing, reinvesting, and tax management done for you.

Invest with our globally diversified, expert-built portfolios.

Explore portfolio options

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.
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  $4M FDIC insurance

  Enjoy FDIC insurance up to $2 million ($4 million for joint accounts) with our program banks. That’s 8x the standard.
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  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.

Grow your retirement savings with a tax-advantaged traditional, Roth, or SEP IRA. Get tax benefits along with our automated technology and full suite of planning tools. Tax benefits We coordinate your retirement accounts for maximum tax efficiency, helping you save on taxes and grow your returns. Retirement planning We build you a personalized plan, recommend how much to save, and adjust as needed. Learn more

See why 1M+ customers trust us to manage $65B+ of their money.

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"Excellent place to make your money work for you."

KATHRYN H.

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

CASEY M.

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"Saves the stress and hassle of managing retirement savings myself."

DAVID S.

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"Because of the opportunity to invest in a better future - the climate change portfolio is great."

JULIA O.

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"Portfolio options are clear, cost effective and well implemented."

CHRISTOPHER T. Read more reviews

Clients. Views may not be representative. See App Store & Google Play reviews.

Still have questions?

• How does Betterment work? Caret Down Icon

  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.

• Will I have access to real humans? Caret Down Icon

  Customer supportteam 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. OurPremium planprovides 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).

• Is my money safe at Betterment? Caret Down Icon

  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 inFDIC insuranceonce funds are deposited into ourprogram 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 aboutFDIC insurance.

• Who are the experts behind the scenes? Caret Down Icon

  Our team of investing experts make decisions about ourportfolio strategiesand 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 ourTax Smart technology, our cash analysis tools, and other advanced strategies.

Want to know how you can make the most of your money? Take our quiz.

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