Betterment Invest & Save Money

Betterment Invest & Save Money

Investments & Cash Accounts

63K ratings
321 reviews
Free
With Ads

Details

  • Released
  • Updated
  • September 21, 2010
  • July 14, 2026
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About

Automated investing and savings app to build long-term wealth and reach financial goals. Offers expert-built portfolios, high-yield cash accounts, and tools for self-directed investing. Start with as little as $10.

Automated investing and savings
Expert-built diversified portfolios
High-yield cash accounts
Self-directed stock and ETF trading
Tax-loss harvesting
Retirement and savings goal planning
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What users say

See all reviews
+1

What's New in Betterment Invest & Save Money

9.47.0

July 14, 2026

New investing customers can get up to $2,000 with a qualifying deposit. Terms apply.

User reviews

Not great for small amounts

I haven’t made money with them, only lost like $10

How do I see each account’s holding?

How do I see the total balances and the holdings for each account (Roth and Traditional IRA) separately? Without doing my own manual tabulations?

they lost all my money then charged me fees for maintaining it 🤩

after years of investing, my net gain was negative 200% !! 🙏 amazing 😍 if i wanted to gamble away my retirement fund i would’ve gone to the casino and done it with a drink in my hand

Misleading

The hype: “deposit $50 and let AI do the work… check back in a few months to finds you have THOUSANDS…”
The reality: I’ve been depositing $50 every 2 weeks for almost 3 months. I have LOST money! Not a lot, be certainly not the magic AI money making machine it suggests it is.

Cannot easily change my investments

Your instructions for managing investments in the mobile app are inaccurate. They do not match what is on the app. At

User experience

🐞

Reported Bugs

3 issues

Account access issues and unexpected account closures

Bug

Recurring deposit scheduling problems

Bug

Mobile app crashes and login loops

Bug

Requested Features

5 requests

Allow linking of multiple bank accounts

Feature

Provide more detailed performance reporting

Feature

Offer physical cash access (e.g. cashier's checks)

Feature

Improve mobile app functionality and UI

Feature

Enhance tax-loss harvesting capabilities

Feature

FAQ

What does Betterment Invest & Save Money do?

This app is an automated investing and savings platform designed to help users build long-term wealth and achieve their financial goals. It offers tools for both automated investing with expert-built portfolios and self-directed trading of individual stocks, ETFs, and mutual funds.

What are the key features of this app?

Key features include automated investing and savings, access to expert-built diversified portfolios, high-yield cash accounts with competitive APY, self-directed investing in stocks and ETFs with fractional shares, and tools for tax management like tax-loss harvesting. It also facilitates retirement and savings goal planning.

How much does Betterment Invest & Save Money cost?

The app offers a free tier for basic investing and saving. There are also paid options, including a $5/month fee or an annual fee of 0.25% on balances over $24K with qualifying deposits. A Premium subscription is available for unlimited access to Certified Financial Planner® advisors.

Who is the target audience for this app?

This app is ideal for individuals who want to grow their wealth through investing and saving, regardless of their experience level. It's suitable for beginners looking for automated solutions and experienced investors who want tools for self-directed trading and comprehensive financial management.

What are the benefits of using Betterment for savings?

Betterment offers a Cash Reserve account that provides a high variable APY on savings, often significantly higher than national averages. It also offers up to an extra APY with qualifying deposits and up to $2 million in FDIC insurance through program banks, providing security while earning interest.