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Betterment

Freemium#15 of 17 in Automated Savings AppsRobo-Advisor Apps 401(k) Software Financial Planning Software

Betterment: A mature option for automated portfolios, cash reserves, and retirement planning. Ranked #15 of 17 in Automated Savings Apps by our editors (6.9/10); pricing: Free plan; best for automated investing and cash reserves.

6.9/10Editor score

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Betterment6.9 Visit Betterment

At a glance

Editor score
6.9 / 10
Pricing
Free plan
Best for
Automated investing and cash reserves
Free plan
Yes
Paid from
$5/mo
Founded
2008 · New York, New York, United States
Facts checked
22 Sep 2026

Where it wins
- Goal-based portfolios with automated trading and rebalancing
- Cash Reserve has no monthly management fee
- Web, iOS, and Android access with retirement tools
Where it doesn't
- The paid Digital plan starts at $5 per month
- Cash Reserve requires a Betterment Securities brokerage account
- Withdrawals are manual and support is not available 24/7

Our verdict on Betterment

Betterment is an online financial platform for individuals who want automated investing, cash management, and retirement planning in one place. It builds goal-based investment portfolios, manages trading and rebalancing, supports recurring deposits, and provides retirement planning with retirement-income withdrawals. Customers can access the service through a web browser or mobile apps for iOS and Android. Its feature set suits people who prefer an automated approach rather than managing portfolios manually.

The pricing structure combines paid investing plans with a separate Cash Reserve account. The Digital plan is listed at $5 per month and includes automated investing with no minimum balance. Another Digital listing highlights automated investing for customers meeting its recurring-deposit or eligible-balance requirement. Premium adds access to financial experts and premium benefits. Cash Reserve is listed at $0 per month, has no monthly management fees, offers variable APY, and places no limits on withdrawals. Cash Reserve rates and promotional offers can change, so it is best viewed as a variable-rate cash option rather than a fixed return.

Betterment’s strongest fit is its breadth within personal financial planning: automated portfolios, recurring and automatic deposits, tax-management technology, linked external account aggregation, goal tracking, and retirement features are brought together across cloud and mobile access. Optional access to financial professionals gives Premium a clearer role for people seeking additional guidance. The tradeoff is that the core emphasis is investing and cash management, while withdrawals are manual and support is provided through phone and documentation rather than around the clock. Choose Betterment if automated investing, a cash reserve, and retirement tools are priorities; choose an alternative if continuous support or a narrower savings-only experience matters more.

Your product? Our editors can test Betterment in depth and publish a review, labelled as paid · from $149/mo →

Betterment pricing

Plans Free planFreemium A usable free plan; paid tiers unlock the limits above. Prices checked 22 Sep 2026.

See plans on betterment.com

All 3 Betterment plans and prices →

Betterment fact sheet

Free plan	Yes
Paid from	$5/mo
Card roundups	Not verified
Scheduled transfers	Yes
Custom savings rules	Not verified
Savings goal limit	Not verified
Interest on savings	Yes
Withdrawal method	Manual
Supported platforms	Not verified
Deployment	Cloud, Mobile
Platforms	Web, iOS, Android
Support	Phone, Docs
Built for	Solo, Small business, Mid-market, Enterprise (editorial estimate)
Pricing	Free plan (source)
Website	betterment.com
Facts checked	22 Sep 2026

Alternatives to Betterment

See all Betterment alternatives →

Also Ranked In

Betterment is ranked in 4 of our directories.

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Betterment for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

Betterment is listed in our Automated Savings Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update