Betterment Invest & Save Money

14.4K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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 850,000+ people who entrust us with over $45 billion.

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

- Get an extra 0.50% APY* with qualifying deposit and over 11x** the national average.
- Protect your earnings with up to $2 million† in FDIC insurance at our program banks.
- Learn more at

- 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 to earn higher yields than cash while taking on less risk than stocks.

- 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? We’ve got resources galore or ask our financial advisors!

- 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 any 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 .4% 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

- 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

- Get our all-in-one financial dashboard
- Connect outside accounts, see your net worth, and view your investment performance, all in one place

- Crypto Investing with diversified expert-built portfolios and in-depth resources
- Manage money for everyday spending with Checking
- Retirement planning with a 401(k) plan for your business

8 W 24th St., New York, NY 10010

**National average savings account interest rate is reported by the FDIC (as of 3/18/24) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000.

Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank.

While bonds are substantially less volatile than stocks, investing in bonds is not without risk.

Digital assets are highly speculative and volatile, and only suitable for investors able to bear the risk of loss and sharp drawdowns. Digital assets are not legal tender and not subject to FDIC insurance or SIPC protections.
Updated on
Jun 18, 2024

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 isn’t encrypted
You can request that data be deleted

Ratings and reviews

14.1K reviews
astrid soulette
May 1, 2024
So hard to get to the individual account balances. First page should reflect accounts and balances with hyperlinks to get the transactions within the account. Instead it bundles the accounts. Super NOT user friendly. I don't know why it reflects balances from my bank of america. It shouldn't, period. Getting frustrated and may end up closing and moving to a more user friendly application. It's a shame since this is an online bank.
15 people found this review helpful
Did you find this helpful?
May 28, 2024
Thank you for sharing this feedback, we appreciate it when customers take the time to share their thoughts with us. We'll take this back to our team for consideration.
Kyle Murdock
April 2, 2024
I give it 4.5 stars. I really like how intuitive and easy it is to use the app. There are many notes that explain everything! You can see deposits, withdrawals, total gain/loss, net gain/loss, total percentage gain/loss, annualized percentage gain/loss, tax documents, etc. I almost always gain and the automatic management fees are a very low percentage (probably about 1%). My only problem is that it is hard to find where to change the investment percentage stocks and percentage bonds.
80 people found this review helpful
Did you find this helpful?
Rafael Couto
August 28, 2021
Very limited list of external accounts to be synced automatically, manually updating accounts is a pain. Can't project future value of multiple goals together, only each goal individually. Would love to project my future net worth as an individual, not just for each goal. Now, recently, for some reason, the app only shows investment accounts, I can't see the balance of my external cash and credit accounts, forcing me to have to use my computer
155 people found this review helpful
Did you find this helpful?
September 1, 2021
Hello, thanks for your feedback. We will use your suggestions for future iteration and improvement. In regards to the display of your connected accounts, our team is aware of the issue, and we should have this resolved by the end of next week.

What's new

Easily move money between accounts with our new recurring transfers feature. Plus, your transactions now complete a day sooner. And finally, explore high yield-bearing options with Cash Reserve and our bond portfolio, BlackRock Target Income.