# Betterment Invest & Save Money — Investments & Cash Accounts

> Automated investing and savings platform for wealth building and financial goals. (iPhone/iPad app by Betterment.)

- Source: https://appshunter.io/ios/app/betterment-invest-and-save-money/id393156562 (this page in markdown: same URL + `.md`)
- Developer: [Betterment](https://appshunter.io/developer/393156565)
- Category: Finance, Business
- Price: Free
- Rating: 4.80/5 from 64,434 App Store ratings · 335 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 136 MB
- Languages: American English, French (France), European Spanish
- Released: 2010-09-21
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/betterment-invest-and-save-money/id393156562/reviews.md

## What is Betterment Invest & Save Money?

Build long-term wealth with Betterment, the automated investing and savings app designed to help you reach your financial goals. Whether you’re new to investing or managing a diverse portfolio, Betterment gives you the tools, automation, and expert-built portfolios to grow wealth with confidence.

Join 1M+ investors who trust us with over $70B in investments. Start today with as little as $10 and build your financial future with confidence. Betterment is a trusted money management platform that uses automated technology to make investing and saving smart and easy.

INVEST & SAVE WITH CONFIDENCE
-  Start investing and saving with no minimum balance
-  Track your cash, savings, and investments in one app
-  Manage financial goals for short and long-term growth

EARN 3.25% VARIABLE APY* (AS OF 12/12/25) WITH BETTERMENT CASH RESERVE
-  Grow your savings with a high-yield cash account
-  Get up to an extra 0.75% APY* with qualifying deposits
-  Cash Reserve lets you earn interest even during volatile times at 10x the national average.
-  Protect your eligible cash with up to $4M FDIC insurance through program banks. Subject to certain conditions. Learn more: betterment.com/cash-portfolio

EXPERT-BUILT PORTFOLIOS
-  Choose from low-cost, globally diversified portfolios that match your risk tolerance and goals.
-  Diversify with stock and bond ETFs
-  Explore low-cost, expert-built portfolios like Social Impact, Innovative Technology, or Climate Impact 
-  Choose bond-only portfolios like Goldman Sachs Tax-Smart Bonds
-  We manage all the trading, rebalancing, reinvesting, and tax management for you, automatically

SELF-DIRECTED INVESTING
-  Start trading individual stocks, ETFs, and mutual funds, all with a platform you trust.
-  Invest in stocks and ETFs with Betterment’s tools by your side
-  See your tax impact before you sell
- ​​ Trade fractional shares with no commissions 
-  Invest and build your wealth your way

SMART AUTOMATION & OPTIMIZATION
-  Betterment’s automated tech does the work for you.
-  Automatically reinvest available dividends and rebalance your portfolio
-  Improve tax efficiency with tools like tax-loss harvesting
-  Automate deposits to grow your investments consistently
-  Get expert guidance and advice

LOW FEES. REAL GROWTH POTENTIAL.
-  Keep more of what you earn while your investments grow.
-  Invest for $5/month or 0.25% annually with $24K balance or $200+ monthly deposit
-  Upgrade to Premium (0.65%) for unlimited CFP® advisor access
-  Certified Financial Planner® professionals, salaried, never commissioned, for a significantly lower management fee

PLAN FOR RETIREMENT & SAVINGS GOALS
-  Turn future financial planning into action
-  Build retirement savings with IRAs or taxable accounts
-  Manage spending with hassle-free, no-fee checking
-  Plan income growth and long-term savings
-  Track net worth, outside accounts, and investment performance

SO, WHY BETTERMENT?
Betterment combines investing, crypto, cash, and savings in one easy-to-use app to help you build lasting wealth. With automation, expert-built portfolios, and low pricing, you can invest and save confidently and focus on your financial growth with ease.

## Key features

- 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

## What do users think of Betterment Invest & Save Money?

Overall sentiment: mixed

**Pros**

- 💰 High yield savings account
- 🔍 Easy to link and manage accounts
- 🤖 Automated investing and portfolio management
- 👨‍💻 Responsive customer service
- 🏆 Positive investment returns

**Cons**

- 🤖 Automated investing underperforms manual investing
- 🤔 Unclear account selection when making deposits
- ⏱️ Slow transfer and withdrawal process
- 🔒 Security issues with account access
- 🙅‍♀️ Lack of transparency and communication

**Commonly reported bugs**

- Account access issues and unexpected account closures
- Recurring deposit scheduling problems
- Mobile app crashes and login loops

**Most requested features**

- Allow linking of multiple bank accounts
- Provide more detailed performance reporting
- Offer physical cash access (e.g. cashier's checks)
- Improve mobile app functionality and UI
- Enhance tax-loss harvesting capabilities

## Recent user reviews (10 of 335)

All indexed reviews: https://appshunter.io/ios/app/betterment-invest-and-save-money/id393156562/reviews.md

### 1/5 — Worst app ever

*2026-08-17, version 9.51.0*

Worst app ever

### 1/5 — Too slow and does not load the portfolio.

*2026-08-17, version 9.51.0*

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.

### 1/5 — Hate it.

*2026-08-13, version 9.51.0*

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

### 1/5 — Not user friendly

*2026-08-13, version 9.51.0*

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.

### 1/5 — 😞

*2026-08-12, version 9.51.0*

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

### 5/5 — All round great

*2026-08-06, version 9.50.0*

Easy to use, and the customer service is quick and very helpful.

### 5/5 — Easy interface

*2026-08-05, version 9.50.0*

The app is intuitive & easy to use. Appreciate that I can connect my other investments & I get a satisfying big picture of growing nest egg. Also like the tax loss harvesting & ability to have separate savings accounts for short term goals like travel, and large ticket items.

### 5/5 — Mostly Great

*2026-07-31, version 9.49.0*

There's a handful of operations that can only be done on a desktop, but the app is good for the day-to-day. A years-old frustration is that once an external account is assigned to the Retirement goal, it cannot be unassigned. "None" is an option, but that election does not stick when selected. Have to unlink the whole account and link it again to unassign it.

### 5/5 — Easy to save

*2026-07-29, version 9.49.0*

The app is great so you can move money, invest, or make interest

### 1/5 — Update fraud prevention

*2026-07-27, version 9.48.1*

Wasted an hour because app told me to call the wrong number when I clicked my locked card.

## Frequently asked questions about Betterment Invest & Save Money

### 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.

## Version history (last 5 releases)

### 9.53.0 — 2026-08-25

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

### 9.52.0 — 2026-08-19

We frequently update our app to provide the best experience. This release includes performance improvements and bug fixes.

### 9.51.0 — 2026-08-11

We frequently update our app to provide the best experience. This release includes performance improvements and bug fixes.

### 9.50.0 — 2026-08-04

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

### 9.49.0 — 2026-07-28

We frequently update our app to provide the best experience. This release includes performance improvements and bug fixes.

## Apps similar to Betterment Invest & Save Money

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Acorns: Save & Invest Money](https://appshunter.io/ios/app/acorns-save-and-invest-money/id883324671) | 4.7 (957,353) | Free | Finance |
| [Fidelity Investments](https://appshunter.io/ios/app/fidelity-investments/id348177453) | 4.8 (3,263,143) | Free | Finance |
| [Wallet - Daily Budget & Profit](https://appshunter.io/ios/app/wallet-daily-budget-and-profit/id1032467659) | 4.6 (5,864) | Free | Finance |
| [E*TRADE: Invest. Trade. Save.](https://appshunter.io/ios/app/etrade-invest-trade-save/id313259740) | 4.7 (380,781) | Free | Finance |
| [Robinhood: Trading & Investing](https://appshunter.io/ios/app/robinhood-trading-and-investing/id938003185) | 4.3 (4,811,114) | Free | Finance |
| [M1: Invest & Bank Smarter](https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644) | 4.7 (74,325) | Free | Finance |

## Related topics

[betterment](https://appshunter.io/ios/topics/betterment) · [betterment 401k](https://appshunter.io/ios/topics/betterment-401k) · [robo advisor](https://appshunter.io/ios/topics/robo-advisor) · [invest practice](https://appshunter.io/ios/topics/invest-practice) · [stay invested](https://appshunter.io/ios/topics/stay-invested) · [wealthcare saver](https://appshunter.io/ios/topics/wealthcare-saver) · [tfsa can](https://appshunter.io/ios/topics/tfsa-can) · [wealthy girls club](https://appshunter.io/ios/topics/wealthy-girls-club) · [dividend finance](https://appshunter.io/ios/topics/dividend-finance) · [robo advisor apps like betterment](https://appshunter.io/ios/topics/robo-advisor-apps-like-betterment) · [what if i invested](https://appshunter.io/ios/topics/what-if-i-invested) · [ilonda](https://appshunter.io/ios/topics/ilonda) · [aureum finbiz](https://appshunter.io/ios/topics/aureum-finbiz) · [londhe finsmart](https://appshunter.io/ios/topics/londhe-finsmart) · [fund creator](https://appshunter.io/ios/topics/fund-creator) · [fidelity investments youth](https://appshunter.io/ios/topics/fidelity-investments-youth) · [sofi roth ira](https://appshunter.io/ios/topics/sofi-roth-ira) · [westview investment advisors](https://appshunter.io/ios/topics/westview-investment-advisors) · [asset allocation](https://appshunter.io/ios/topics/asset-allocation) · [wealthfront](https://appshunter.io/ios/topics/wealthfront)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*