Betterment review

Betterment is the best choice if you want to start with any amount and keep the option of talking to an advisor later. There is no minimum balance, and its portfolios are globally diversified ETF mixes that it trades, rebalances and reinvests for you, with tax-loss harvesting for taxable accounts. Pricing has two levels for the digital service: $5 a month by default, switching to 0.25% a year once you set up recurring deposits of $200 or more a month or reach $24,000 across your investing accounts. That means a small account with no regular deposits pays more than it would at Wealthfront or Fidelity Go. Premium adds access to financial experts for 0.65% a year but needs $100,000 in eligible investments, and balances above $1 million get automatic fee discounts. Watch the $75 charge for each account transferred out to another firm. For steady monthly savers it is close to the top pick.

Who it is for

Investors starting with any amount who may want access to financial advisors later.

Price

$5 per month under $24,000, or 0.25% per year with $200+ monthly deposits or a $24,000 balance; Premium 0.65%.

The base price for investing accounts is $5/month.
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Globally diversified, expert-built ETF portfolios with no minimum balance
• Tax-saving technology including tax-loss harvesting
• Automatic trading, rebalancing and reinvesting
• Traditional, Roth and SEP IRAs plus 401(k) and IRA rollover support
• Premium plan with access to financial experts for 0.65% a year

Strengths and weaknesses

• Strength: No minimum balance to open
• Strength: Fee drops to 0.25% with $200 a month in recurring deposits
• Strength: Clear upgrade path to advisor access
• Weakness: $5 a month is expensive on very small balances
• Weakness: Premium needs at least $100,000 in eligible investments
• Weakness: $75 fee for each investing account transfer out

Key facts

• Advisory fee: $5/month or 0.25% per year
• Minimum balance: None
• Premium: 0.65% per year, $100,000 minimum
• Discounts: 0.15% on $1M to $2M, 0.10% above $2M
• Outbound transfer: $75 per account

Where it ranks

Betterment is No. 2 in our Best Robo Advisors verdict.