Betterment Invest & Save Money

Investments & Cash Accounts

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