Instead of Betterment
Betterment alternatives
Betterment brings investing and cash services together: it offers guided portfolios with ongoing advice, trading, rebalancing, reinvesting, and retirement planning, and acts as a fiduciary. It also provides automated tax-loss harvesting, Tax Coordination across eligible accounts, and commission-free stock and ETF trades in self-directed accounts without a management fee. Cash Reserve has no monthly management fee, while Checking has no overdraft fees and reimburses ATM fees. The service runs on Android, iOS, and the web, with a free plan and paid service from $5/mo.
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myprosperity
Free plan AndroidAPIiPhone+1Accountants and advisers collaborating with clients — myprosperity adds adviser-client collaboration, digital forms, document signing, live financial data, and household budgeting tools, rather than investing and cash management.
Free plan · paid from 279/mo Visit site - 2
Boldin
Free plan AndroidAPIiPhone+1Household financial plans and scenario projections — Boldin centers on household financial planning and scenario stress tests, while Betterment combines investing, cash management, and retirement planning.
Free plan · paid from $144/yr · 14-day trial Visit site - 3
Elements
Free plan AndroidiPhoneWebAdvisers tracking clients' financial health — Elements gives advisers client Scorecards, financial metrics, one-page plans, and progress reports instead of direct investing and cash services.
Free plan · paid from $149/mo Visit site - 4
FE CashCalc
Free trial AndroidAPIiPhone+2Advisers creating lifetime cashflow plans — FE CashCalc adds adviser-focused lifetime cashflow modelling, market simulations, stress tests, and more than 35 calculators.
From £75/mo Visit site - 5
Pocket Risk
Free trial AndroidiPhoneWebAdvisers assessing clients' investment risk — Pocket Risk focuses on adviser-led risk questionnaires and reports, rather than investing, cash management, or retirement planning.
14-day trial Visit site - 6
ProjectionLab
Free plan AndroidAPIExtension+2Personal retirement and financial scenario planning — ProjectionLab models detailed financial and retirement scenarios, including international tax presets, but does not directly link financial accounts.
Free plan · paid from $129/yr · 7-day trial Visit site - 7
AstuteWheel
Paid WebAdvisers managing engagement and practice workflows — AstuteWheel combines adviser engagement, practice management, and visual cashflow modelling, but does not produce SOA or ROA documents.
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ADP Help Me Choose
Paid AndroidiPhoneWeb - 9
Vestwell
Paid AndroidiPhoneWeb - 10
Ameritas Retirement Plans
Paid AndroidiPhoneWeb - 11
Charles Schwab Retirement Plan Services
Paid AndroidiPhoneWeb - 12
Human Interest
Paid AndroidiPhoneWeb - 13
Employee Fiduciary
Paid Web - 14
Empower Stock Plan Services
Paid Web - 15
Guideline
Paid AndroidiPhoneWeb4.4 Visit site - 16
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Transamerica Retirement Solutions
Paid AndroidiPhoneWeb - 18
Merrill Small Business 401(k)
Paid iPhoneWeb - 19
Ubiquity Retirement + Savings
Paid Web - 20
An alternative may fit better if your priority is household planning, adviser-client collaboration, risk assessment, or advice delivery rather than managing investments and cash. Betterment's Digital plan has no listed price and specifies $200 in monthly recurring deposits or a $24,000 eligible balance; Premium requires a $100,000 minimum eligible investment balance, also without a price. Compare the planning depth and workflows you need, whether direct account connections are available, the platforms and regional planning supported, and each product's price before switching.