Betterment Invest & Save Money

Build long-term wealth with Betterment, the automated investing and savings app designed to help you reach your financial goals. Whether you’re new to investing or managing a diverse portfolio, Betterment gives you the tools, automation, and expert-built portfolios to grow wealth with confidence.

Join 1M+ investors who trust us with over $70B in investments. Start today with as little as $10 and build your financial future with confidence. Betterment is a trusted money management platform that uses automated technology to make investing and saving smart and easy.

INVEST & SAVE WITH CONFIDENCE

- Start investing and saving with no minimum balance

- Track your cash, savings, and investments in one app

- Manage financial goals for short and long-term growth

EARN 3.25% VARIABLE APY* (AS OF 12/12/25) WITH BETTERMENT CASH RESERVE

- Grow your savings with a high-yield cash account

- Get up to an extra 0.75% APY* with qualifying deposits

- Cash Reserve lets you earn interest even during volatile times at 10x the national average.

- Protect your eligible cash with up to $4M FDIC insurance through program banks. Subject to certain conditions. Learn more: betterment.com/cash-portfolio

EXPERT-BUILT PORTFOLIOS

- Choose from low-cost, globally diversified portfolios that match your risk tolerance and goals.

- Diversify with stock and bond ETFs

- Explore low-cost, expert-built portfolios like Social Impact, Innovative Technology, or Climate Impact

- Choose bond-only portfolios like Goldman Sachs Tax-Smart Bonds

- We manage all the trading, rebalancing, reinvesting, and tax management for you, automatically

SELF-DIRECTED INVESTING

- Start trading individual stocks, ETFs, and mutual funds, all with a platform you trust.

- Invest in stocks and ETFs with Betterment’s tools by your side

- See your tax impact before you sell

- ​​ Trade fractional shares with no commissions

- Invest and build your wealth your way

SMART AUTOMATION & OPTIMIZATION

- Betterment’s automated tech does the work for you.

- Automatically reinvest available dividends and rebalance your portfolio

- Improve tax efficiency with tools like tax-loss harvesting

- Automate deposits to grow your investments consistently

- Get expert guidance and advice

LOW FEES. REAL GROWTH POTENTIAL.

- Keep more of what you earn while your investments grow.

- Invest for $5/month or 0.25% annually with $24K balance or $200+ monthly deposit

- Upgrade to Premium (0.65%) for unlimited CFP® advisor access

- Certified Financial Planner® professionals, salaried, never commissioned, for a significantly lower management fee

PLAN FOR RETIREMENT & SAVINGS GOALS

- Turn future financial planning into action

- Build retirement savings with IRAs or taxable accounts

- Manage spending with hassle-free, no-fee checking

- Plan income growth and long-term savings

- Track net worth, outside accounts, and investment performance

SO, WHY BETTERMENT?

Betterment combines investing, crypto, cash, and savings in one easy-to-use app to help you build lasting wealth. With automation, expert-built portfolios, and low pricing, you can invest and save confidently and focus on your financial growth with ease.