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Betterment
Your path to financial independence
As of 30 August 2026, Betterment's pricing is not published; the vendor quotes on request. Betterment is a robo-advisor offering low-cost investment management, retirement planning, and financial advisory services with a focus on passive investing. Softwr lists it under Personal Finance. Betterment is made by Betterment LLC, launched in 2008, available on Web, iOS, Android.
Overview
What Betterment does
Betterment is a robo-advisor offering low-cost investment management, retirement planning, and financial advisory services with a focus on passive investing.
What people use it for
- Automated portfolio management
- High-yield cash savings
- Self-directed investing
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Betterment.
- Digital automated investing charges $5 per month fee for accounts under $24,000 balance
- Premium advisory service requires minimum balance of $100,000 in eligible investments
- Foreign transaction fees apply to checking account (though reimbursed after the fact)
- High-balance fee discounts only available above $1,000,000 account balance
Cross-shopped
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Pricing
What Betterment costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Automated Investing
On request
- AUM-based or flat monthly advisory fees
Premium Service
$0.4 /percent of AUM
- Requires $100,000 minimum balance
Self-Directed Investing
Free
- No wrap fee
High-Yield Cash
$4 /APY promotional
- $10 minimum deposit
- New customer boost through 1/15/2027
Capabilities
Features
Automated investing
Retirement planning
Financial advisory
Goal tracking
Bank accounts
Integration with Bank accounts
Investment accounts
Integration with Investment accounts
Web support
Available on Web
IOS support
Available on iOS
Android support
Available on Android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
What is the minimum to start investing with Betterment?
Betterment requires only $10 to open an account and begin either automated or self-directed investing.
SourceHow much does Betterment's Premium Service cost?
Premium Service charges an additional 0.40% fee on your invested balances and requires a minimum account balance of $100,000.
SourceWhat APY does Betterment's High-Yield Cash offer?
High-Yield Cash offers 3.25% base APY plus a new customer boost of 0.75% APY (up to $1M) through January 15, 2027, totaling 4.00% promotional APY.
SourceDoes Betterment charge a wrap fee on self-directed accounts?
No, Betterment waives its wrap fee for self-directed investing accounts, allowing customers to invest without advisory fees.
SourceBehind it
Who makes Betterment
- Company
- Betterment LLC
- Based in
- New York, New York
Keep looking
Where to go from Betterment
- Betterment alternativesEvery product people weigh against it
- Betterment pricingPlans, floors and what the tiers exclude
- Betterment badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Betterment with
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- Coinbase
- PayPal
- Cash App
- Vanguard
- Wealthfront
- Charles Schwab
- Fidelity
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Softwr does not host reviews and shows no star rating for Betterment, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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