Betterment Invest & Save Money

Build long-term wealth with an automated investing and savings app designed to help you reach your financial goals. Betterment Invest & Save Money combines investing, savings, and cash management in one platform, whether you're new to investing or managing a diverse portfolio.

Start with as little as $10 and no minimum balance required. Track your cash, savings, and investments all in one place while working toward short-term and long-term financial goals. Over 1 million investors trust the app with more than $70 billion in assets. The platform uses automated technology to make investing and saving straightforward, removing guesswork from wealth building.

Earn competitive returns on your cash with the high-yield Cash Reserve account, currently offering 3.25% variable APY as of December 2025. Qualifying deposits can earn an additional 0.75% APY, with eligible cash protected up to $4M through FDIC insurance via program banks. This cash account earns roughly 10 times the national average, so your money grows even during market volatility.

Choose from low-cost, globally diversified expert-built portfolios aligned with your risk tolerance—including options like Social Impact, Innovative Technology, and Climate Impact strategies. The app handles all trading, rebalancing, reinvesting, and tax-loss harvesting automatically. If you prefer a hands-on approach, trade individual stocks, ETFs, and mutual funds directly with fractional shares and no trading commissions. See your tax impact before selling to make informed decisions.

Automation does the heavy lifting for you. Dividends reinvest automatically, your portfolio rebalances to stay aligned with your goals, and deposits can be scheduled to build wealth consistently. Tax-efficiency tools work in the background to help you keep more of your earnings.

Fees stay low: invest for just $5 monthly or 0.25% annually with a $24,000 balance or $200+ monthly deposits. Premium membership at 0.65% annually includes unlimited access to Certified Financial Planner advisors—salaried professionals who work in your interest, never on commission.

Plan for retirement using IRAs or taxable accounts, manage long-term savings goals, and track your overall net worth across multiple accounts. Hassle-free checking is included with no account fees, giving you a complete financial hub.

Betterment Invest & Save Money combines automation, expert portfolio management, and transparent pricing to help you invest and save with confidence.