Betterment: Investing & Saving 4+

Build wealth for your future


    • 4.7 • 35K Ratings
    • Free

iPhone Screenshots


Invest 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 built to make investing easy, with a personalized experience that fits your needs whether you’re an investor-in-training or a stock market guru. Invest your money for the things you want most, so you can live better. Join the 700,000+ people who entrust us with over $32 billion. See important disclosures in the final image above.

Investments made easy, because you’ve got a lot going on
- Sign up in 3 minutes
- Invest in expert-built portfolios of global companies
- Start investing with a $10 min deposit
- No minimum balance
- One low, annual fee of 0.25%

Save more money because duh
- Automated trading tools
- Tax saving automation
- Investments are safe and secure
- Connect outside accounts to see your big picture
- Financial advice that puts your best interest first

Personalized financial planning, because we like you just the way you are
- Investing designed for your personal savings goals
- Investment tools built for all levels of experience
- Customize your stock-and-bond risk level
- Invest in our socially responsible options
- Financial advisor - Upgrade for more personal service from an expert

Get more with Betterment
- Manage money for everyday spending with Checking
- Rewards on 1000s of brands with the Betterment Visa® Debit Card1
- Save money and earn interest on your cash with Cash Reserve
- Retirement saving with an IRA (Roth, Traditional)
- Retirement planning with a 401(k) plan for your business

The proof is in the numbers (we like those around here)
- 7000,000+ clients
- $32 billion managed

See what we’re all about:
- Instagram: @Betterment
- Twitter: @Betterment

About us:

Welcome to the Betterment app! If you’re interested in saving and investing, you’re in the right place. We’re more than just a delightful investing experience with a hopeful name. Here’s why we think our saving and investing app is so much better.

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. Getting started takes minutes, there’s no minimum balance. You can save for specific goals or keep it general. Then you’ll invest in an expert-built stock-and-bond ETF portfolio.

Once you set up your investment goals, you can trust us to handle the details. Or, if you prefer a more hands-on approach, you can customize your portfolio, select your own ETFs, and more.

And, as your financial advisor, we’ll give you guidance on how to make smart decisions to work toward achieving your financial savings goals along the way:

- We recommend how to invest your money and fund your savings goals over time.

- If you’re ever behind on your saving, we provide helpful nudges to get you back on track.
We also provide features that can help you save money on taxes, so you can keep more of your hard-earned money.

You can also make an impact with your investment portfolio. Our Socially Responsible Investing ESG portfolio options (Broad Impact, Social Impact, and Climate Impact) enable you to invest in stock-and-bond ETFs that support minority empowerment and gender diversity, lower carbon emissions, and the funding of green projects.

Keep track of your financial life across your short and long-term savings goals with one easy-to-use app.

Start investing with Betterment today, for a better tomorrow.

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. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted.

Higher bond allocations in your portfolio decreases the percentage attributable to socially responsible ETFs.

What’s New

Version 8.16.0

bug fixes and performance improvements

Ratings and Reviews

4.7 out of 5
35K Ratings

35K Ratings

kelseyrosewaldron ,

Beautiful update!

I love the update and the new logo so much I had to write a review 😍 I’ve been using Betterment for over 4 years for all my investing. I chose Betterment because of its ease of use, it’s automated guidance, and it’s low fees. I don’t know a ton about picking investments myself, and honestly I don’t want to spend my time researching or worrying about my investments. Betterment takes care of all of that for me! I just set up automatic deposits on the date of each paycheck, forget about it for a while, and watch my money grow over time 🤩

The sunrise update made me smile because the new logo is a representation of exactly how I feel about Betterment—the app truly is a part of guiding my life to a brighter future. After all, I am using Betterment to plan for retirement, so I could be using this app for the next 30-40 years!

Thanks, Betterment, for the update and for helping make my life easier and brighter ☀️

plaintiger ,

I guess I got lucky

Either my account didn't take forever to get verified and opened, or it did and it didn't bother me and I've forgotten about it – not sure which. But my account was opened probably a month and a half ago and because of their fees, has consistently lost money (I only had a small amount of money in there; on the one hand, maybe if I had more my balance would've increased rather than decreased, but on the other hand, they charge a percentage, which would have gone up along with my investment account balance, so maybe there's just no way to make money with Betterment. Don't know.). For people having a hard time with the interface, the UI of their website is still a little wonky and difficult to figure out, but probably not as bad as the app and I've managed to more or less find my way around. Anyway, with Betterment charging fees (which my TD Ameritrade account does not) and consistently losing me money, I've decided to withdraw my funds and close my account. Now I'm just hoping the withdrawal goes a lot more smoothly than it seems to have for many of the reviewers here!

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.

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

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