Betterment Premium Fees (2026): What You Pay in Dollars at $250k, $500k, $1M

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Updated September 18, 2026. Quick answer: Betterment Premium discloses a whole-balance breakpoint schedule starting at 0.65% in its Form ADV Part 2A – Betterment Client Brochure (Betterment LLC) (2026-07-31). Converted to dollars, that runs $3,250 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.

The published numbers

From the Form ADV Part 2A – Betterment Client Brochure (Betterment LLC) (2026-07-31): “Retail Clients who receive Betterment Premium Services pay a wrap fee of 0.65% of their account balance in annualized fees, which includes Betterment’s 0.25% annualized wrap fee plus 0.40% for access to Premium Services provided by Betterment’s team of financial consultants (subject to the Discount described in Item 5B. below). Betterment waives the 0.40% fee for Premium Services on account balances above $1 million. … A balance of at least $100,000 is required to be eligible to participate in the Betterment Premium plan.”

• $100,000 (Premium plan minimum) up to $1,000,000 total balance: 0.65%
• Above $1,000,000 total balance (0.40% Premium access fee waived; base digital wrap fee only): 0.25%

What you would pay

Whole-balance (breakpoint) fee, not marginal: the 0.65% combined rate (0.25% base wrap fee + 0.40% Premium access fee) applies to the full balance once the $100,000 Premium minimum is met, up to and including $1,000,000 ($250,000 x 0.0065 = $1,625; $500,000 x 0.0065 = $3,250; $1,000,000 x 0.0065 = $6,500, since the brochure waives the 0.40% Premium fee only on balances ‘above’ $1 million, not at exactly $1 million). Above $1,000,000 the 0.40% Premium fee is waived, leaving only the 0.25% base wrap fee on the entire balance ($2,000,000 x 0.0025 = $5,000). This produces a real fee cliff where a $1,000,000 account pays more in dollar terms than a $2,000,000 account – that is a direct, disclosed consequence of the waiver threshold, not an error.

How this compares

Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Betterment Premium’s own published rate runs $3,250 a year.

Thinking about leaving Betterment Premium instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.

Sources

• Form ADV Part 2A – Betterment Client Brochure (Betterment LLC) (2026-07-31): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053566
• SEC Investment Adviser Public Disclosure, Betterment LLC (CRD #149117): https://adviserinfo.sec.gov/firm/summary/149117
• Betterment LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/149117/PDF/149117.pdf

Methodology. This page was built September 18, 2026, drawing on Betterment Premium’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.