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To get the most out of your money.

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Why Betterment

Technology that helps you make the most of your money.

We're taking proven investment strategies that have been around for decades and use modern technology to make them more efficient. Whether you're saving for retirement, a house, or a couch, we're here to help you improve your financial life.

See how we're different
What you get

Personalized financial advice, wherever you are.

Get unlimited access to advice from licensed experts, when and where you need it. We make tailored recommendations on decisions like how much to invest and how much risk to take on in your portfolio.

See if you're on track for retirement and get personalized recommendations.

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Our commitment

We work for you.

As your online financial advisor, we always have your interests in mind. We don't get commissions for recommending funds, and we don't have funds of our own. That means we do what we believe is right for you. No matter where you are in your financial life, our licensed experts are here to answer your questions—anytime, anywhere.

See how we can help
In the press

Here's what people are saying.

"It's hard to overestimate the broader impact Betterment has had on financial advice in the U.S."


"Betterment became the first independent robo-advisor to reach $10 billion in assets under management."


"Automated investment advice is one of the hottest areas for investors...and Betterment is the market-leading independent."

Business Insider

Tell us a bit about yourself.

Where are you in your financial life and what are you investing for? Dream vacation? Down payment? Nice little retirement?

We'll build you a portfolio.

Based on your answers, we'll recommend an investing plan and use our technology to build you a personalized portfolio.

Then, we put our magic to work.

And we keep working. Once we get you set up, we'll manage your portfolio with tax-smart technology.

Built for better returns.

Lower taxes? Diversified investments? We're designed for that. Our technology takes complex investing strategies and makes them more efficient.

Unlimited personalized advice.

Burning questions? Send 'em our way. You get unlimited access to licensed financial experts (read: real live people)—anytime, anywhere.

One low fee, starting at 0.25%.

Hidden costs? Nowhere to be found. No matter who you are or how much money you invest, you get everything for one low, transparent fee.

Satisfaction guaranteed.

At Betterment, our passion is your investing experience. If you ever feel we've missed the mark, let us know. We'll do everything we can to make it right.

Advice you can trust.

As your fiduciary, we always make recommendations in your best interest. We're legally bound by it. (And we wouldn't have it any other way.)

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Your satisfaction is guaranteed. It's our commitment to you. Learn more.

Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.