Updated September 5, 2026. Quick answer: Betterment’s Digital plan, per its own pricing page today, costs $5 a month flat, or 0.25% a year once your balance reaches $24,000 or you set up $200 or more in monthly deposits, with no minimum otherwise. Premium is 0.65% a year with a $100,000 minimum and unlocks on-demand CFP access, not offered on Digital. The fee drops to 0.15% on the portion of a balance between $1 million and $2 million, and 0.10% above $2 million. Its Form CRS, dated July 31, 2026, discloses that Betterment also earns revenue from bank partners on cash balances and from payment for order flow on trades, separate from the advisory fee itself.
Betterment at a glance
| Fact | What the company’s own pages say |
|---|---|
| Digital | $5/month flat, or 0.25%/year at $24,000+ balance or $200+/month in deposits; no minimum otherwise |
| Premium | 0.65%/year; $100,000 minimum; adds on-demand CFP access |
| Balance discounts | 0.15% on the $1 million to $2 million portion; 0.10% above $2 million |
| Other fees | $75 per outbound account transfer; Betterment states it keeps none of the underlying ETFs’ own fund fees |
| Registration | Betterment LLC, SEC-registered investment adviser (CRD 149117) |
Digital vs Premium
Digital is Betterment’s automated, no-advisor tier, billed as a flat $5-a-month subscription until your balance or deposit habits cross the 0.25% threshold. Premium is the only tier with on-demand human CFP access, at more than double the percentage fee and a six-figure minimum, a meaningful jump for adding a human advisor into an otherwise automated product.
How Betterment makes money beyond the advisory fee
Its own Form CRS states that Betterment receives payments from partner banks based on client cash-deposit balances, and that Betterment Securities receives revenue from payment for order flow on trades routed through Apex. Neither of these changes the advisory fee you’re quoted, but both are revenue Betterment earns from your account beyond that headline percentage.
You have read our assessment of Betterment. Here is the one we are paid to refer you to.
Stated outright because it is the only honest framing next to a form: the service below is our partner, not Betterment, and we are paid when you submit it. Comparing both is reasonable. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here. You stay on this page.
What happens when you press the button
It asks about nine questions, age, investable assets, location, then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Before you sign up, five minutes of your own verification
- Read the figures above against the company’s own current pricing page; prices in this category change without much notice.
- If it’s an investment adviser, look it up free on the SEC’s Investment Adviser Public Disclosure site and read its Form ADV Part 2A fee section and any disclosure events.
- Ask directly how the person or advisor you’d actually work with is compensated, not just the headline company fee.
- Run any percentage fee through the Financial Advisor Fee Calculator and the Fee Drag Calculator to see the dollar cost over time, not just the rate.
- Bring our questions to ask a financial advisor to the first call.
Bottom line
A low-cost, no-minimum entry point at Digital; the jump to Premium is priced specifically for the CFP access, not for a materially different investment approach.
Sources
- Betterment pricing page: https://www.betterment.com/pricing
- Betterment Form CRS, dated July 31, 2026: https://betterment-prod-cdn.s3.us-east-1.amazonaws.com/agreements/Form+CRS_July31_2026_final.pdf
Methodology. This page was materially reviewed on September 5, 2026. Figures came directly from the company’s own current pricing pages, Form CRS, or Form ADV brochures where noted, with sources linked inline; any figure we could not independently confirm this session is named as such above rather than presented as verified.
Independent analysis based on the reviewed company’s own published pages, pricing, and SEC filings where applicable, cited inline with the date we read them. We have not used any of these services as a client. Nothing here is personalized financial, tax, or legal advice. Companies did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.