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How does Betterment calculate management fees?

Betterment Editors — Mon, 05 Jan 2026 05:00:00 GMT

Below you can read about how fees are calculated depending on your pricing plan.

What are Betterment’s fees?

Betterment Editors — Mon, 05 Jan 2026 05:00:00 GMT

Betterment offers several fee plans for our investing services. Below we’ve listed a pricing breakdown according to account type and additional fee information.

If I open a new IRA, does the reward count towards my annual IRS contribution limit?

Betterment Editors — Fri, 02 Jan 2026 22:41:06 GMT

No. The reward is treated as interest in your IRA and doesn’t count toward your annual IRA contribution limits.

Are there fees if I transfer funds from my investing account out of Betterment?

Betterment Editors — Fri, 02 Jan 2026 22:39:24 GMT

Yes, this transfer would be subject to an early reward removal fee if the amount you’re transferring meets the criteria above.

Do I get to keep my reward if I withdraw money from my Investing Accounts?

Betterment Editors — Fri, 02 Jan 2026 22:34:26 GMT

Keeping the Investing Reward after withdrawing funds from your investing accounts depends on how much you’re withdrawing and how much you’ve contributed to your account since receiving the reward.

When will I receive the Investing Reward?

Betterment Editors — Fri, 02 Jan 2026 22:32:37 GMT

You’ll receive the full value of your cash reward around 45 days from your enrollment date. If you deposit into multiple investing accounts, the reward will be deposited into an open and funded account in the following priority order: Roth IRA, followed by Traditional IRA, followed by SEP IRA, followed by your highest balance individual taxable account.

How much can I earn?

Betterment Editors — Fri, 02 Jan 2026 22:27:48 GMT

Your total Investing Reward is determined based on eligible net deposits across all eligible individual investing accounts at 45 days past enrollment. The maximum reward is $1,500. Cash payout by deposit amount is listed below:

What is my enrollment date?

Betterment Editors — Fri, 02 Jan 2026 22:22:17 GMT

For new customers, your enrollment date in the offer is the date that you visit the offer webpage, click the signup link on the Betterment site, and open an eligible investing account. For current Betterment customers, your enrollment date is the date that you click a link to the offer, either via email or message in the Betterment application.

What’s the Tiered Investing Reward?

Betterment Editors — Fri, 02 Jan 2026 22:18:36 GMT

The Tiered Investing Reward is a cash reward based on a new managed investing account customer’s net deposits into eligible managed investing accounts in their first 45 days after enrollment in the offer.

Who is eligible for the Betterment Q4 2026 Tiered Investing Reward?

Betterment Editors — Fri, 02 Jan 2026 22:18:03 GMT

This offer is only available to new managed investing customers, including current Betterment customers with only a Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) account, and existing Betterment customers with a $0 balance in all of their investing accounts as of January 1, 2026. This offer is not available to active Betterment Advisor Solutions advised clients.