Betterment Invest & Save Money

4.7
16K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Invest and save better with Betterment. Investing apps are a dime a dozen, right? So, you might be wondering why you should download this investing app. It’s simple: Betterment is a robo advisor built with technology that optimizes for you, creating a tailored experience that fits your needs whether you’re an investor-in-training or a stock market guru. Join the 900,000+ people who entrust us with over $50+ billion.

As an independent digital investment advisor and fiduciary, Betterment is built to help you do what’s best for your money so you can live better. With no minimum balance, you can get started with just $10 in minutes. Keep track of your financial life across your short- and long-term savings goals with our easy-to-use app.

NEW CUSTOMERS EARN 4.50% VARIABLE APY* (as of 12/27/24) ON CASH
- Get an extra 0.50% APY* with qualifying deposit—nearly 11x** the national average.
- Protect your earnings with up to $2 million† in FDIC insurance at our program banks, subject to certain conditions. Betterment is not a bank.
- See program banks at www.betterment.com/cash-portfolio

INVEST TODAY AND EARN UP TO $1K
New investing customers can get up to $1,000 with a qualifying deposit or rollover.
Open any individual investing account (including a Roth or traditional IRA) and complete a qualifying deposit or rollover to get some extra money on us. The more you invest, the more you get.
Enroll at www.betterment.com/tiered-investing-offer-2025. Terms apply.

EXPERT-BUILT PORTFOLIOS TO HELP YOU WEATHER THE MARKET
- Customize your stock-and-bond risk level with recommendations from the pros.
- Choose one of our optimized, curated portfolios of ETFs, like Innovative Tech, Goldman Sachs Smart Beta, or socially responsible investing options: Broad, Social, or Climate Impact portfolios
- Looking for an all-bond strategy? Try our BlackRock Target Income portfolio or our Goldman Sachs Tax-Smart Bond portfolio to target higher yields while taking on less risk than stocks.

INVEST WITH TECH THAT OPTIMIZES FOR YOU
- Rebalance your portfolio and reinvest dividends automatically
- Limit your tax impact with automated tools like tax-loss harvesting and tax coordination between accounts
- Set up recurring deposits on your preferred schedule
- Questions? You can browse our expert resources or ask our financial advisors!

KEEP MORE OF YOUR MONEY
- Invest with us for just $4/month, or pay an annual fee of 0.25% on your investing account balance when you:
- Have a total Betterment balance of $20,000 or more across investing and cash accounts you hold at Betterment, or
- Set up a recurring deposit(s) of $250/month or more into any account
- Upgrade to Premium for unlimited access to advisors at just .65% of your invested assets, a fraction of the cost compared with traditional advisors
- These are CERTIFIED FINANCIAL PLANNER™ professionals, salaried never commissioned, for a significantly lower management fee

TURN LIFE GOALS INTO MONEY GOALS
- Manage money for everyday spending and get cash back with Checking
- Save for that exercise bike, your next vacation, and more
- Go beyond your 401(k) with an IRA
- Use our projection tools to create a plan
- Calculate how to reach your target with our goal forecaster

SEE THE BIGGER PICTURE
- Get our all-in-one financial dashboard
- Connect outside accounts, see your net worth, and view your investment performance, all in one place
Updated on
Jan 31, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.7
15.6K reviews
Jake Davis
December 13, 2024
-There's not a way to add an external account on the app, I have to go to the website in a browser to add one on but it would be way more convenient to have that option in the app. -You also can't update your account login in the app if your previous login is out of date, you'll have to that on the desktop website too. -The General Investing page doesn't list the accounts associated with it, you can see it on the browser but you can only see the count of them on the app.
25 people found this review helpful