Get rewarded for investing

Grow your investments and earn some extra money on us. Open an individual investing account (including an IRA) and make a deposit to earn up to $1,000. Terms apply.

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    Weighted average rating as of 9.12.24
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Start with our most popular accounts.

  • INVEST

    Automated investing

    Build wealth with diversified, expert-built portfolios.
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  • SAVE

    High-yield cash

    Earn more interest on your savings with 4.00% variable APY.*
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  • RETIRE

    IRAs

    Grow your retirement savings with a tax-advantaged IRA.
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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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    Invest the way you want

    Choose from our curated portfolios or build your own—all using low-cost exchange-traded funds.
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    Save more in taxes

    We use tax-loss harvesting to turn market dips into tax savings In fact, 69% of customers using tax-loss harvesting have their taxable advisory fee covered by likely tax savings.
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    Ongoing optimization

    We monitor your investments, rebalance your portfolio, and reinvest dividends to help maximize your returns.
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

Pick from our expert built portfolios

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 earns interest at 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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    $2M FDIC insurance

    Enjoy up to $2million ($4million for joint accounts) FDIC insurance with our program banks, subject to certain conditions. 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.
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. Betterment is not a bank.

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.

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    Tax benefits

    We coordinate your retirement accounts for maximum tax efficiency, helping you save on taxes and grow your returns.
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    Lower fees

    Rollovers to a Betterment IRA of low-cost ETFs can save on high 401(k) fees.
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    Retirement planning

    We build you a personalized plan, recommend how much to save, and adjust as needed.

As the largest independent digital investment advisor, see what customers say about Betterment

Excellent place to make your money work for you.”
Kathryn H.
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. 
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.

Still have questions?

Make your money hustle.