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The more you invest, the lower your rate

An account with a
balance costs $0 less per year than a traditional investment manager.

Over 20 years, that adds up to $0 of potential savings, or about 0% of your initial investment. At a fraction of the price of traditional investing accounts, Betterment helps you achieve your goals faster.

How did we get these numbers?

Assuming a 7% annual return for 20 years, a $100,000 initial investment would be worth $320,714 with annual fees of 1%, while a Betterment account with annual fees of 0.15% would be worth $376,262.




Traditional Account Fees
  • No trade fees.

    Betterment does not charge you transaction fees to buy and sell securities.

  • No transaction fees.

    There are no fees for depositing or withdrawing from your account – ever.

  • No rebalancing fees.

    Betterment automatically and regularly rebalances your portfolio for free.

  • Save up to 6x on fees.1

    Our smarter technology allows us to charge a fraction of what traditional managers charge.

  • $1 - $9,999

    Account Balance



    Annual Fee*

    $100/mo recurring deposit required*
    Fees based on average account balance

    Try it Free for 30 Days
  • $10,000 - $99,999

    Account Balance



    Annual Fee

    No recurring deposit required
    Fees based on average account balance

    Try it Free for 30 Days
  • $100,000+

    Account Balance



    Annual Fee

    No recurring deposit required
    Fees based on average account balance

    Try it Free for 30 Days
*Accounts with a balance of less than $10,000, without a recurring deposit, are charged $3/mo instead of 0.35% annually.

Frequently Asked Questions

  • What is a recurring deposit?

    Recurring deposits are scheduled deposits that will automatically be paid in from your linked bank account. You can set these up from your account dashboard, and adjust them at any time.

  • When does Betterment charge fees?

    Fees are charged at the end of each quarter, or prorated whenever a large withdrawal is made. You will never be charged for having an open account with a $0 balance.

  • Where are the fees taken from?

    Fees are taken right from your Betterment account. No action is required on your part, and we'll never charge fees if you don't have a balance.

  • Will market changes take me down a fee tier?

    You will never be put in a more expensive fee tier due to market changes. You can, however, get placed into a less expensive fee tier due to upward market changes.

  • Is there a minimum balance?

    No, there is no minimum balance requirement at Betterment. You can deposit as little as $10.

  • Is there a fee for a $0 balance?

    No, you will never be charged for an account with a $0 balance.

  • Are there fees for deposits or withdrawals?

    No, our annual fee covers everything. You will never be charged any trade or transaction fees.

  • Can I cancel at any time?

    Yes, you can cancel at any time. Fees will be prorated, so if you leave before a quarter is over, you will only pay for the time you had a balance.

  • Which accounts are included in determining my fee tier?

    Your fee tier is based on your combined balance across your IRA and taxable accounts, joint accounts, and trusts at Betterment. If you also have a 401(k) account through Betterment For Business, that account is subject to a separate fee schedule and is not included in your balance for determining the fee tier.

Stop losing money to fees
I am years old and
  • Not Retired
  • Retired
My annual income is .

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1 This assumes a minimum Betterment balance of $100,000, which corresponds to a 0.15% management fee. Our research shows that the average investment manager charges a 1% advisory fee.