Betterment Invest & Save Money

Betterment Invest & Save Money

Investments & Cash Accounts

65K ratings
335 reviews
Free
With Ads

Details

  • Released
  • Updated
  • September 21, 2010
  • August 29, 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

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+3

What's New in Betterment Invest & Save Money

9.53.2

August 29, 2026

Thanks for using Betterment. This release includes performance improvements and bug fixes.

Events

Read more about Betterment Custom portfolios

Betterment Custom portfolios

Build the portfolio you want while we manage it.

Aug 17, 2026 Sep 17, 2026

Read more about Easily invest in the future

Easily invest in the future

Start saving for education one step at a time.

Aug 23, 2026 Sep 23, 2026

Read more about Invest your way

Invest your way

Pick your own stocks and ETFs inside Betterment.

Jul 23, 2026 Aug 23, 2026

User reviews

Worst app ever

Worst app ever

Too slow and does not load the portfolio.

Highly disappointed at their website and app performance. It never loads my portfolio and I am looking to move out to a different provider very soon.

Hate it.

They don’t have sector specific funds and it’s almost impossible to reallocate investments in the app. Wth is this?

Not user friendly

I’ve had multiple accounts set up for weeks and while they have no problem transferring money in- whenever I try to withdraw suddenly they have a problem and need to verify identity and go through multiple security loops. It will take me a solid week to get my money. I plan on taking out all my money and going elsewhere agreed this. I’ve had customer service hang up because they can’t listen to feedback. They don’t explain why they can’t verify anything. No notes. Horrible service.
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😞

I must be a genius. My returns are doing better than betterment. Should be called worsement.

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.