Betterment Invest & Save Money

4.6
13.8K reviews
500K+
Downloads
Content rating
Everyone
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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 800,000+ people who entrust us with over $40+ 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.

NEW CUSTOMERS EARN 5.50% VARIABLE APY* (as of 12/18/23) ON CASH
- Get an extra 0.75% APY* with qualifying deposit and over 13x** the national average.
- Protect your earnings with up to $2 million† in FDIC insurance at our program banks.
- Learn more at betterment.com

WEATHER ANY MARKET WITH EXPERT-BUILT PORTFOLIOS
- 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

INVEST WITH TECH THAT OPTIMIZES FOR YOU, RAIN AND SHINE
- 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!

KEEP MORE OF YOUR MONEY
- 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

TURN LIFE GOALS INTO MONEY GOALS
- 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

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

GET MORE WITH BETTERMENT
- 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


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


**National average savings account interest rate is reported by the FDIC (as of 7/31/23) 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.
Updated on
Mar 12, 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

4.6
13.4K reviews
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
129 people found this review helpful
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Betterment
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.
Lane Price
March 24, 2021
The app is clean, easy to use. I'm able to set up an automatic deposit, check my balance, account performance, etc. I had a question a while ago, and ngl i was on hold on the phone for a while until i gave that up and emailed them. To my surprise they were very punctual in replying back and extremely courteous and helpful. So phone isn't the best but customer service was great over email, overall positive experience so far.
256 people found this review helpful
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Lindsay Johnson
August 10, 2020
Nice app, easy to use. I don't like that you can see my app screen when I am switching between apps. My mint app, for example, shows a white screen when I navigate away from it. Betterment needs me to put in a password to access the app again, but I can read the screen and see everything before I out the password in when I navigate back to it (if thdt makes sense?) Would prefer it to go blank.
51 people found this review helpful
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Betterment
August 17, 2020
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

What's new

New customers can earn 5.50% variable APY* (as of 12/18/23) when opening a cash account with a qualifying deposit. Terms apply.