Betterment IRA review

Betterment is the strongest pure robo-advisor here for Roth IRA savers who want every decision automated. It builds and manages a globally diversified portfolio, and if you also hold a taxable account it coordinates where each investment sits to reduce your overall tax bill. Its pricing page sets the base price at $5 a month and switches you to 0.25% a year once you set up $200 or more in recurring monthly deposits or reach $24,000 across Betterment investing accounts. Premium costs 0.65% a year on the first $1 million, needs $100,000, and adds access to financial experts. Betterment charges a flat $75 for each outbound account transfer. Value scores lower than the brokers because Fidelity Go manages balances under $25K for $0, while Betterment charges either a monthly fee or a percentage on every balance.

Who it is for

hands-off savers who want automated investing and tax coordination

Price

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

Fees are $5/month or 0.25% annually for investing accounts, and 0.65% annually for our Premium plan.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Expert-built, automatically managed portfolios
• Switches to 0.25% a year with $200+ monthly deposits or $24K+ balance
• Coordinates asset location across an IRA and a taxable account
• White-glove 401(k) rollover support at no charge
• Premium plan at 0.65% a year from $100,000 for access to financial experts

Strengths and weaknesses

• Strength: Fully managed portfolio with automatic rebalancing
• Strength: Tax-coordinated asset location across accounts
• Strength: Free rollover help
• Weakness: $5 a month is 0.6% a year on a $10,000 balance
• Weakness: $75 flat fee for each outbound account transfer
• Weakness: No free tier, unlike Fidelity Go under $25K

Key facts

• Fee: $5/month or 0.25% a year
• Premium: 0.65% a year, $100,000 minimum
• Outbound transfer: $75
• Rollover help: Free

Where it ranks

Betterment IRA is No. 8 in our Best Roth Ira Providers verdict.