Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details



Save, invest, retire

GET — On the App Store


Our product roadmap

We're building the future of goal-based saving and spending. Be a part of what we're inventing.

Get started


For the things you want beyond this year, like a new kitchen or a down payment.
Learn more


For your golden years, when you’re ready to kick back and relax full-time.
Learn more

Cash Reserve

For earning more on your savings and organizing the money you’ll use soon in a high-yield cash account.
Learn more


For no-fee daily spending and our debit card with reimbursed ATM fees.
Learn more

Now available in your account

Now available in your account

Joint Checking designed
to help you save

  • Earn cash back shopping at select stores1.

  • Pay your way with Apple Pay®, Google Pay™, or even paper checks

  • Near instant transfers between Checking and Cash Reserve

Explore our Checking features

Socially responsible investing reimagined

  • Socially responsible investing is now more clearly visible in our goal creation flow

  • We've added more specific options, including stronger social impact and climate impact.

Explore what's new

Personalize your goals with photos

  • Add a photo to each of your goals to ground what you’re saving for.

  • If you have a joint account, show your partner what you’re dreaming of.

Make your account sparkle

Up next:

While we have a lot in store, here are some highlights for what we're excited to be building over the next year. Follow us on Instagram, Facebook, and Twitter for sneak peeks, beta testing opportunities, and hints at what's coming.

Are you maximizing your experience?

We know it's not always easy to chart out your goals and start working toward them. Learn what Betterment's ultimate users look like and how they set up their accounts in our latest article.

Learn how

As seen in...

the new york times logo
cnbc logo
business insider publication logo
forbes logo