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Automated investing
Globally diversified with all trading, rebalancing, and tax management done for you.
Self-directed investing
New
Trade stocks and ETFs with tax insights you won’t find anywhere else.
IRAs
Save for retirement with a tax-advantaged traditional, Roth, or SEP IRA.
Crypto investing
A managed portfolio of Bitcoin and Ethereum ETFs.
Bond investing
Stable income, diversification, and reduced risk from Goldman Sachs and BlackRock.
Portfolio options
Explore portfolios built with low-cost ETFs.
Historical performance
See how well our portfolios perform.
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Get 1:1 advice from a CFP® along with exclusive benefits, investing options, and more.
Tax-saving technology
Get the same tax tech used by high-net-worth investors at no extra cost.
Socially responsible (SRI)
Invest for a better world, from climate to social impact.
Self-directed investing is here
Trade stocks and ETFs with tax insights you won’t find anywhere else.
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Cash
High-yield cash
No fees or minimums. FDIC insured up to $4M.** Unlimited withdrawals. Variable APY.
Checking
Everyday spending with no foreign transaction or ATM withdrawal fees.
New customer offer: 4.00% APY
Unlock our highest variable rate of the year!
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401(k) & IRA rollovers
Our low-cost portfolios can add up to more for your retirement.
IRAs
Save for retirement with a tax-advantaged traditional, Roth, or SEP IRA.
Solo 401(k)
new
Retirement account with a high contribution limit for self-employed individuals.
Rollover support
Free expert guidance to consolidate your retirement.
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Get tools and advice that can help you win at retirement.
401(k) plan for your business
Scalable retirement solutions for your employees.
Start investing with Betterment today and earn up to $2,000!
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Premium
Offers
4.00% APY boost
Open a Cash Reserve account and make a deposit to get a 0.75% APY boost for 3 months.
Earn up to $2,000
Open any individual investing account and make a deposit to earn up to $2,000 on us.
Unlock a discounted mortgage rate
Get up to 0.75% off through our partnership with Rate.
Refer a friend
Invite a friend and you both get an extra 0.75% APY boost.
Start investing with Betterment today and earn up to $2,000!
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Pursue Better
The powerful potential of the tax swap
Your top tax rate will likely ebb and flow over your lifetime. Tax-savvy investing can help you pay when the tide is low.
Learn how
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Enroll and earn up to $2,000
Open any individual investing account (including an IRA) and make a deposit to earn up to $2,000 on us . The more you invest, the more you can earn.
Terms apply.
Investing made easy
Award-winning technology meets decades of investor know-how
to help your money grow for the long run.
Here’s how you can earn up to $2,000:
Deposit or roll over at least $1,000 into any individual investing accounts (including Roth and traditional IRAs) to earn $100.
Increase your rewards with higher deposits, up to a total of $2,000. You can make multiple deposits from outside accounts to reach each reward amount.
Make deposits within 45 days to start earning your reward. You'll receive your reward on or around 45 days after you've enrolled in the offer.
Technology powered by human expertise.
We're always working to help grow your money—maximizing returns, minimizing taxes, and handling all the busywork. Every decision is guided by real experts focused on helping you build wealth over the long term.
Automated investing
We manage all the trading, rebalancing, reinvesting, and tax management for you, moves that make a big difference over decades.
Personalized platform
We build an investing portfolio around what you want to accomplish, whether that’s retirement or simply building wealth.
Diversified portfolios
Your money is invested across global markets and asset classes, a better way to build wealth through market cycles.
Expert-managed
Our in-house Investing Team regularly monitors, analyzes, and updates portfolios to help strengthen your investments.
Since launch, our Core portfolio’s average annual return has been ~10% after fees.
Read more reviews
Investing that fits your needs.
Accounts built for retirement and more.
Traditional IRA, Roth IRA, SEP IRA, 401(k) rollover, and Solo 401(k).
Make your retirement more tax-efficient.
Open both an IRA and a taxable investing account, and we’ll coordinate them to help minimize tax liabilities and better grow your retirement savings.
Invest with our globally
diversified, expert-built
portfolios.
Explore portfolio options
Enroll and earn
up to $1,500
Open any individual investing account
(including an IRA) and make a deposit to
earn up to $1,500 on us . The more you invest,
the more you can earn.
Claim offer
Investing that can help lower your taxes.
Nearly 70% of customers using tax-loss harvesting covered their taxable advisory fees through estimated tax savings.
Pay for a wedding
Save for education
Buy a home
Build wealth
Trusted to do what's right for your money.
As a fiduciary, we're legally bound to put your interests first when you invest.
1 Million+
Customers
$65 Billion+
Assets under management
4.8 rating
78.1K reviews on App Store and Google Play
$65 Billion+ in assets
1 Million+ customers
Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org .
4.8 rating
78.1K reviews
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Betterment 401(k)
Betterment Advisor Solutions
Betterment's reported assets under management (AUM) of $65 Billion+ is as of 10/21/2025.
Reported customer count of 1 Million+ as of 8/19/2025 , includes checking and investing clients.
Betterment does not provide tax advice. TLH is not suitable for all investors. Learn more .
This is for marketing and educational purposes, not a personalized recommendation. Consider fees and options before rolling over.
IMPORTANT BETTERMENT DISCLOSURES
Information is educational only and not investment or tax advice. External links are educational, and do not imply Betterment’s endorsement. All screenshots are for illustrative purposes only.
Who Provides What Service?
Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.
Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA / SIPC , and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.
Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. See Betterment Checking Disclosure .
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