Betterment Invest & Save Money

Betterment

About this app

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 strategies 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.

Ratings and reviews

Tried as an experiment to compare against what I could achieve on my own. Service, App, not bad. But results were average. I could do the same level of performance by simply investing in SP 500 index of my own. In the end was not impressed.

app is great. but the accohnt you use to invest with all come with a month charge. internal transfer take forever with better mint. it's been a week since I make a interal transfer. still shows pending. app is easy to use. dont really care for this investment company. even when you move monet from check or saving to investments. takes a few days to transfer and buy into the investment. I will say. checking account is great for debit purches. but other accounts. would not recommend

Great service and easy to use! I've been happy with the returns on general, bond and technical portfolios. The returns are on the high side of their forecast. I like the nice interest rate in cash savings and customer service is quite good. Downfalls are no Zelle and no customer service on the weekend and they won't do more than $2000 on a debit transaction.

What’s new

New customers can earn 4.25% variable APY* with Betterment’s high-yield, no-fee cash account. That’s 11x the national average. Terms apply.