name: Betterment Subscription Plans
description: >
  Betterment offers tiered pricing for automated investing and financial planning services.
  Fees are assessed as either a flat monthly fee or an annual percentage of assets under
  management (AUM), depending on account balance thresholds. Professional advisory plans
  carry an additional management fee on top of the base digital plan rate.
url: https://www.betterment.com/pricing
plans:
  - name: Digital (Flat Fee)
    description: >
      Entry-level automated investing with tax-loss harvesting, goal-based portfolio management,
      and access to all core Betterment investment features. Applies when the account balance
      is under $24,000 without a $200/month recurring deposit.
    price: 5.00
    unit: month
    features:
      - Automated portfolio management with rebalancing
      - Tax-loss harvesting
      - Goal-based investing (retirement, safety net, general)
      - Cash Reserve (high-yield savings)
      - Betterment Checking (no fees, ATM reimbursement)
      - Self-directed investing (no wrap fee on self-directed assets)
  - name: Digital (AUM-Based)
    description: >
      Standard AUM-based fee tier for accounts between $24,000 and $1,000,000 or accounts
      with $200+ monthly recurring deposits.
    price: 0.25
    unit: year (% AUM)
    features:
      - All Digital Flat Fee features
      - Percentage-based pricing that scales with account size
      - Tax-loss harvesting on taxable accounts
      - Automated rebalancing triggered by drift or dividends
      - Access to socially responsible and climate-focused portfolios
  - name: Premium Advisory
    description: >
      Full-service plan combining automated investing with unlimited access to Certified
      Financial Planners (CFPs). Requires a minimum of $100,000 in eligible Betterment
      investments.
    price: 0.65
    unit: year (% AUM)
    minimum_balance_usd: 100000
    features:
      - All Digital plan features
      - Unlimited 1-on-1 access to Certified Financial Planners (CFPs)
      - Advice on assets held outside Betterment
      - Comprehensive financial planning (tax, retirement, estate planning)
  - name: Betterment at Work (401k)
    description: >
      Employer-sponsored 401(k) plan administration through the Betterment at Work product.
      Pricing is negotiated per employer based on plan size, number of participants, and
      features selected. Integrates with 350+ payroll providers.
    price: null
    unit: negotiated
    features:
      - Automated 401(k) plan administration
      - Integration with 350+ payroll providers (ADP, Gusto, Rippling, etc.)
      - Employee financial wellness tools
      - Automated employee eligibility tracking and contribution management
      - Roth, traditional, and after-tax contribution support
progressive_discounts:
  - tier: First $1M
    rate_percent: 0.25
  - tier: $1M to $2M
    rate_percent: 0.15
  - tier: Above $2M
    rate_percent: 0.10
notes:
  - Betterment does not charge commissions on stock or ETF trades.
  - ETF expense ratios (separate from management fees) apply to underlying funds.
  - Outbound transfer fee of $75 per account applies.
  - No deposit, withdrawal, or rebalancing fees beyond the plan management fee.
  - Progressive discount tiers apply to both Digital and Premium Advisory plans.
sources:
  - https://www.betterment.com/pricing
  - https://www.betterment.com/work/401k
updated: "2026-06-13"