aid: betterment
name: Betterment
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/betterment/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: "0.19"
description: >
  Betterment is a robo-advisor and financial planning platform offering automated investment
  management, tax-loss harvesting, retirement planning, and goal-based portfolio rebalancing.
  Founded in 2010, Betterment serves individual investors through its Digital and Premium
  Advisory plans, and employers through Betterment at Work — a 401(k) plan administration
  product that integrates with 350+ payroll providers via a private partner API. Betterment
  does not offer a public developer API; third-party application developers access Betterment
  account data through open banking aggregators such as Plaid and BankSync. Betterment
  Engineering maintains an active open-source presence on GitHub, publishing internal tools
  for background job processing, split testing, Flutter golden testing, and Rails security.
tags:
  - Robo-Advisor
  - Automated Investing
  - Financial Planning
  - Tax-Loss Harvesting
  - Retirement Planning
  - Portfolio Management
  - 401k
  - Fintech
  - Wealth Management
  - Investment Rebalancing
  - Open Banking

apis:
  - name: Betterment at Work Payroll Integration API
    description: >
      Private partner API enabling payroll providers and HR platforms to integrate with
      Betterment's 401(k) plan administration system. Automates employee eligibility
      tracking, contribution deductions, and account data synchronization. Access requires
      a formal partner onboarding agreement with Betterment. Currently integrated with
      ADP, Gusto, Rippling, Paychex, and 350+ additional payroll providers.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://www.betterment.com/work/payroll-integrations
    baseURL: https://api.betterment.com
    tags:
      - 401k
      - Payroll
      - HR Integration
      - Retirement
      - Partner API
    properties:
      - type: Documentation
        url: https://www.betterment.com/work/payroll-integrations
      - type: Contact
        url: https://www.betterment.com/work/employers

  - name: Betterment via Plaid (Open Banking)
    description: >
      Betterment investment and cash account data is accessible to third-party developers
      via the Plaid open banking aggregator. Through Plaid, developers can retrieve account
      balances, holdings, transaction history, and account metadata for user-authorized
      Betterment accounts. Users authenticate directly with Betterment through Plaid Link;
      Betterment does not expose credentials to third parties.
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://plaid.com/docs/investments/
    baseURL: https://production.plaid.com
    tags:
      - Open Banking
      - Account Data
      - Investments
      - Transactions
      - Plaid
    properties:
      - type: Documentation
        url: https://plaid.com/docs/investments/
      - type: Documentation
        url: https://plaid.com/docs/api/accounts/

common:
  - type: Website
    url: https://www.betterment.com
  - type: Blog
    url: https://www.betterment.com/engineering
  - type: GitHubOrganization
    url: https://github.com/Betterment
  - type: LinkedIn
    url: https://www.linkedin.com/company/betterment/
  - type: X
    url: https://twitter.com/Betterment
  - type: Pricing
    url: https://www.betterment.com/pricing
  - type: Contact
    url: https://www.betterment.com/contact
  - type: PrivacyPolicy
    url: https://www.betterment.com/security/privacypolicy
  - type: TermsOfService
    url: https://wwws.betterment.com/app/terms/everyday
  - type: DataAggregationDisclosure
    url: https://www.betterment.com/legal/data-aggregation-disclosure
  - type: SecurityPage
    url: https://www.betterment.com/resources/built-two-factor-authentication-betterment-accounts/
  - type: Plans
    url: plans/plans.yml
  - type: RateLimits
    url: rate-limits/rate-limits.yml
  - type: FinOps
    url: finops/finops.yml

maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com