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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, build wealth and get advice to help make your financial dreams real.

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 to you
• High-yield cash account to earn more
• Great for: Saving for something soon, like a vacation or new bike

Invest for the future
• Optimized ETF portfolios and advice
• Great for: Investing for big ticket items, like a down payment or education

Retire your way
• Planning, advice, and low-cost IRAs
• Great for: Retiring at 65 or 45, beach or city—whatever you want your golden years to look like

What’s New

Version 7.13.0

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
20.9K Ratings

20.9K 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.

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.

mg4369 ,


My work 401k account doesn’t connect to Betterment so I added it manually. I’d love to be able to make manual updates to my 401k (and add other accounts) from the app instead of logging into my account from the web on my phone, making the updates, and then switching back to the app. Just feels clunky switching from the app to the web and back to my app again. It would also be nice to better understand why the minimum investment amount is $10. I like to do small increment actions everyday ($5 to savings account, $5 to credit card debt, etc). I wanted to do a $5 deposit to my betterment account, but then realized I couldn’t add less than 10 bucks. Maybe just a short blurb on the deposit page about why $10 is the minimum would be helpful. Or if possible, taking away the minimum deposit amount all together. Thank you for considering this feedback and for the great app. :)


97.9 MB

Requires iOS 12.1 or later. Compatible with iPhone, iPad, and iPod touch.


English, French, Spanish

Age Rating


  • Family Sharing

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

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