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 $65B in investments. Start today with as little as $10 and build your financial future with confidence.

💰 Invest & save with confidence
Betterment is a trusted money management platform that uses automated technology to make investing and saving smart and easy.
- 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 0.65% APY* with qualifying deposits
- Secure your money during volatile times while earning ~10x the national average.
- Protect your cash with up to $2M FDIC insurance through program banks

📊 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 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 transparent pricing, you can invest and save confidently and focus on your financial growth with ease.

Ratings and reviews

Overall the app is excellent and I would rate it 4 stars. The functionality is limited, but the features they have all work excellently. I'm taking off a star because I found a rare bug and there's no clear way to contact them to report it, either in the app or on their website. I got an email about a recurring deposit on Dec 5th and needed to skip it, so I clicked on the included link, but it skipped my deposit on the 12th, not the 5th. Fortunately I noticed, or I might have overdrawn.

I moved our investment money to this investment application/platform. For months everything seemed to go well till I tried open one of their checking accounts and add my wife onto the checking account with me. That's when we ran into problems! Verification was denied but no reason given so I gave up. Guess I'll be moving our money again because I don't trust this investment platform or application! We couldn't even set up a simple checking account without problems! What a waste of time!

Good app for investing and has one of the highest APY around for savings accounts. Also worth mentioning is the ATM fee reimbursement (which also applies to ATMs overseas). A few things could be better: they don't allow for automatic bill payments from savings account and you can't set up recurring transfers from savings to checking, which means you have to make sure you transfer money into checking before a bill goes through. Those are standard features on competing apps.

What’s new

Learn how Betterment’s automated tax-smart tools can help you keep more of your potential after-tax returns.