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Betterment is an online financial advisor built for people who refuse to settle for average investing. People who demand better. People like you.

Our mission: to help you make the most of your money so you can live better.

1) We ask questions to help you figure out your investing goals (e.g., retirement, house down payment, dream vacation) and make recommendations to help you reach them.
2) We build you a personalized investment portfolio of low-cost ETFs and manage it with cutting-edge technology.
3) We provide ongoing advice through our platform that grows with your investments to help you make smart decisions with your money.



Invest your extra cash
• We can analyze your expenses to help you find extra cash in your checking account.
• Next, you can move that cash to Smart Saver, our low-risk investing account for extra cash.
• If you need your cash, you can transfer it back to your checking account, with no early withdrawal fees or penalties.

Get a better investing experience:
• Deposit, withdrawal, and track your investments in the palm of your hand.
• Access our Customer Experience Team with questions—seven days per week.
• Your satisfaction is guaranteed—learn more: https://www.betterment.com/satisfaction-guarantee/
• You get everything for one low, transparent fee of 0.25%.

Utilize automated investing features
• Auto-deposit helps you save better and remove the hassle from regular investing.
• Rebalancing, tax loss harvesting, and asset location help keep taxes low.

Your security is our top priority:
• Access your account with Fingerprint or a secure PIN.
• Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.

Have a question about your account? We’re happy to help—please email us at support@betterment.com and we’ll look into it.

Betterment LLC is an SEC-registered investment adviser. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment's charges 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 shown are for illustrative purposes only, and are not actual customer or model returns. Visit Betterment.com for more information.

What’s New

Version 5.7.3

Rolling out updates
Like a new referrals screen
Go ahead and share

Ratings and Reviews

4.3 out of 5
2.3K Ratings
2.3K Ratings
Longdistance45 ,

Really like the company, app needs help

I am a huge fan of the company and how they operate. An automated ETF solution that allows me to get broad exposure and control my allocation to stocks and bonds if I feel comfortable is wonderful. However, as others have stated, the app is generally frustrating. They should take some lessons from Vanguard and try to incorporate some of their functionality and summaries such as: tables that lay out how much each account as made, principal infested for each account, cost basis, dividends received, etc... Then, on a performance tab, show a graph that breaks out principal and returns so people can see what they have actually made. Then have a table that shows investment returns vs income returns for each month. I love Vanguard’s app if you can’t tell and think they are phenomenal, but I like Betterment’s investment platform for consistent investing over time. Hopefully the app gets better and they focus on facts and functionality.

Ang9418 ,

App is okay, support is rude and useless

Updated 10/24:
They are now adding smart saver accounts to “existing personal accounts,” which is apparently not legally a separate account but regardless pretty invasive if you ask me. I have lost 5.7% with betterment over the last year. Would not recommend to anybody.


I think it’s a great concept and the app functions fairly well, however they do market themselves as investing for everyone and the customer service does not reflect that at all. I sent in my feedback that maybe the time weighted returns should not be a positive percentage/limited to zero if an account has lost money overall. (So far, I have negative returns using Betterment.) I understand the math, but you know, if your service is stated as something for all people and not only investing experts, your service reps shouldn’t admonish a user for suggesting a change to this return thing that might make people like myself feel a little less like a gullible idiot for investing in your “friendly” service. I’m just saying, investing for everyone should not involve being low grade mocked for thinking a modification to an algorithm might help people like me, who are the non-expert part of “everyone” these hooligans claim to care about. I’d give them a triple fart minus if I could. I wish I got that jerk’s name.

Destivel ,

Great service, App Lacks information

I’ve used Betterment for years now and I love the service. What I don’t get is that the app keeps removing information. We used to be able to see our dollar and % gains for tax coordinated accounts, and now that information is gone. As far as I can tell, there has been no communication on why they changed this and it’s pretty clear that a lot of people want this. Just wish we knew why your making this information harder to find by making it website only.

Update: Coordinated returns are now viewable in app. This was my only complaint and I have updated my rating to reflect this. Thank you.


50.3 MB
Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© Betterment LLC


  • Family Sharing

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

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