Personal Finance · pricing
Betterment pricing
Betterment publishes 4 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Betterment pricing is free across 4 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Subscription
- Tiers
- 4
- Free tier
- Not on record
Betterment plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Self-Directed Investing | Free | 1 | Entry tier |
| Premium Service | $0.4/percent of AUM | 1 | +$0.4/percent of AUM, 1 more feature |
| High-Yield Cash | $4/APY promotional | 2 | +$3.6/APY promotional, 2 more features |
| Automated Investing | On request | 1 | Priced on request |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Self-Directed Investing
FreeThe entry tier. It covers no wrap fee.
Premium Service
$0.4/percent of AUMOver Self-Directed Investing, this tier adds:
- Requires $100,000 minimum balance
High-Yield Cash
$4/APY promotionalOver Premium Service, this tier adds:
- $10 minimum deposit
- New customer boost through 1/15/2027
Automated Investing
On requestOver High-Yield Cash, this tier adds:
- AUM-based or flat monthly advisory fees
Where Betterment stops being free
Self-Directed Investing, Free
- No wrap fee
Premium Service, $0.4/percent of AUM
The first thing you pay for:
- Requires $100,000 minimum balance
What the product covers
The full Betterment feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Automated investing
- Retirement planning
- Financial advisory
- Goal tracking
Integrations
- Bank accounts
- Investment accounts
Platform
- Web support
- IOS support
- Android support
People bring Betterment in for automated portfolio management, high-yield cash savings, self-directed investing. If that is not the job you are buying for, the alternatives to Betterment are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Betterment (this page) | Free | subscription | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Betterment |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Betterment |
| Strands | On request | quote | - | vs Betterment |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Betterment |
| Firefly III | Free | Open source, no licence fee | - | vs Betterment |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Betterment |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Betterment badges page.
Before you pay for Betterment
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 4 tiers between Free and On request, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare Betterment against the tools that do have one before committing.
Betterment runs on web, ios, android, and is published by Betterment LLC of New York, New York. The full record is on the Betterment review, and the rest of the category is under best personal finance tools.
Betterment pricing questions
- How much does Betterment cost?
- Betterment publishes 4 tiers, from Free for Self-Directed Investing up to On request for Automated Investing. The cheapest paid tier is Free.
- Does Betterment have a free plan?
- Not on the record we hold: Betterment is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- What is the difference between Self-Directed Investing and Premium Service on Betterment?
- Premium Service costs $0.4/percent of AUM against Free, and adds requires $100,000 minimum balance.
- Is the Automated Investing plan on Betterment worth it?
- That depends entirely on whether you need what it adds, which on the published record is aum-based or flat monthly advisory fees. It costs On request against $0.4/percent of AUM for Premium Service. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Betterment have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Betterment?
- The record lists 9 features across 3 areas: other, integrations, platform. In practice it is brought in for automated portfolio management, high-yield cash savings, self-directed investing.
- Does Betterment charge per user?
- The record carries a price and a billing period for each of its 4 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Betterment prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Betterment against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Betterment covering price, platforms and features.