iPhone Screenshots


What do you want to do with your money? Whether you’re buying the week’s groceries, saving for a new kitchen, or investing for your golden years, you can do it all with the Betterment app. Spend, save, invest, and get advice to help reach your financial dreams.
Invest for the future
• Optimized ETF portfolios and advice
• Great for: Investing for big ticket items, like a down payment or education
Spend with ease
• No-fee‡ checking account + Visa debit card w/ATM fees reimbursed worldwide
• Great for: Hassle-free daily spending
Save for what matters
• High-yield cash account to earn more
• Great for: Saving for something soon, like a vacation or new bike
Retire your way
• Planning, advice and low-cost IRAs
• Great for: Retiring at 65 or 45, beach or city—whatever you want out of your golden years
‡Checking accounts and Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Funds in Checking eligible up to $250k FDIC insurance. Betterment Checking available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and Visa® 1% foreign transaction fee everywhere Visa is accepted.
Cash Reserve (“CR”) offered by Betterment LLC. Clients of Betterment LLC participate in CR through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any affiliates is a bank. Through CR, clients' funds are deposited into one or more banks ("Program Banks") where funds earn a variable interest rate and are eligible for FDIC insurance. CR provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. CR should not be viewed as a long-term investment option.
Funds held in brokerage accounts not FDIC‐insured but protected by SIPC. Funds in transit to or from Program Banks generally not FDIC‐insured but protected by SIPC except when held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but not protected by SIPC. See Betterment Client Agreements for details. Funds deposited into CR eligible up to $1M ($2M for joint accounts) of FDIC insurance once funds reach one or more Program Banks (up to $250,000 for each insurable capacity—e.g., individual or joint—at up to 4 Program Banks). Even if there are more than 4 Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above $1M (or $2M for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in CR. If clients elect to exclude one or more Program Banks from receiving deposits, the amount of FDIC insurance available through CR may be lower. Clients are responsible for monitoring total assets at each Program Bank, incl. existing deposits held at Program Banks outside of CR, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks not protected by SIPC. For more information see the terms and conditions and Betterment LLC's Form ADV Part II.
Advisory services provided by Betterment LLC, an SEC-registered investment adviser. Brokerage services provided to clients of Betterment LLC by Betterment Securities www.bettermentsecurities.com an SEC-registered broker-dealer and member of FINRA/SIPC.
Investments in securities: Not FDIC Insured, No Bank Guarantee, May Lose Value. Involves risk and there is always the potential of losing money. Before investing, consider investment objectives and Betterment's fees and expenses. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. All images and return figures are for illustrative purposes only and not actual customer or model returns.

What’s New

Version 7.25.0

We update the Betterment app as often as possible to help you make the most of your money so you can live better. Here's what you'll find in the latest update:

- Various bug fixes & improvements

Ratings and Reviews

4.8 out of 5
27.8K Ratings

27.8K Ratings

Ursokj ,

Great Product

Betterment makes it easy to save for retirement or any other goal. The individual goals you can create are really nice to see how much you have saved towards each one instead of just having one large pot of money. The iOS app is super simple to use and makes depositing money or seeing performance easy.

I have not had an account long enough to really compare the returns to other investments. They recently added a much simpler view to see your annualized returns vs benchmarks on the website which should make comparisons easier moving forward.

With Betterment you are using their robo advisor so don’t expect to pick your own funds. I believe that Betterment leans a little heavier on foreign fund than other similar robo advisors. But that doesn’t really matter as you set your stock/bond percentage that matches your desired risk level and Betterment does the rest.

Betterment posts many helpful/interesting articles, but do take everything with a little grain of salt as many things are geared towards why they are right or how you can’t compare directly to other benchmarks.

All in all I have loved this investing/savings tool. I have seen good returns and low fees. The app and web interface are clean and easy to use. Recommend for anyone looking to start investing/saving. If you are a more hands on investor, Betterment might not be for you, and you might want to look else where.

Derek737 ,

Allow the addition of individual stocks. & an iPad app!

Betterment is great, although I think it would be very beneficial from a customer standpoint and from a competition standpoint if you provided the ability to buy and sell shares of individual companies. Being able to set up a goal and buy shares in let’s say 10-20 different stocks that you like would be very nice to have, instead of only being able to choose between a selection of ETFs, which in itself is limited. I understand that betterment’s objective is to provide customers a automated way to invest, but not sure why you couldn’t do both by allowing something like this. Even if it may inhibit some other functions or benefits for that particular “goal”.

Also an iPad app would be awesome! The interface for iPhone is great! I love the simplistic yet refined aspect of it, so having an interface that is similarly designed around iPads larger screen would really be great and appeal to a large number of people.

hotcrossfitdad ,

Great for New Investors or Those with Little Time

If I had the time, or the money, I would love to do all the trading myself. However, i simply don’t have the time.
With the extremely low account management fees and the simple portfolio selection process, I’ve been able to place small weekly sums of money into my betterment account and I haven’t had to worry about investing it myself. This has definitely made saving/planning much easier and convenient and I am excited about the future. I’d definitely recommend this to any young individual (high school or college especially) who wants to start saving for retirement but hasn’t yet because they don’t have the time. It took 20 minutes to set up and the application is extremely user friendly.

App Privacy

The developer, Betterment, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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