Side by side

ADP Help Me Choose vs Betterment

Both stand on 401(k) software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

ADP Help Me Choose

Paid AndroidiPhoneWeb

Help Me Choose offers a guided way to review benefits during Open Enrollment, with an option to skip the survey. Its recommendations are decision support, not professional advice, and pricing requires a request to ADP.

Visit ADP Help Me Choose

Betterment

Paid AndroidiPhoneWeb

Betterment combines automated investing with cash products and self-directed trading, alongside retirement planning. Check the listed eligibility terms for Digital and Premium, whose prices are not provided.

Visit Betterment

The facts

	ADP Help Me Choose	Betterment
Free plan	Not published	No
Open source	Not published	No
Runs on	Android, iPhone, Web	Android, iPhone, Web
Lowest paid plan	Free or on request	Premium: $0.65 a year
Plans published	1	3
Maker	Not published	Not published
Website	adp.com	betterment.com
On 401(k) software	#1 of 14	#2 of 14

ADP Help Me Choose: what it does well

Optional survey can be skipped if benefits are already chosen.
Survey takes about 10 minutes.
Available in mobile and desktop enrollment flows.
Uses employer benefits and employee-provided or authorized information.

What to know first

Available during Open Enrollment only.
Recommendations are not legal, tax, investment, or financial advice.
Price is available on request, not published.

Betterment: what it does well

Automated investing includes ongoing rebalancing.
Tax-loss harvesting and Tax Coordination are offered.
Self-directed stock and ETF trades have no commissions.
Cash Reserve has no monthly management fee.
Apps support deposits, transfers, and goal tracking.

What to know first

Digital and Premium plan prices are not listed.
Cash Reserve requires a $10 minimum deposit.
Tax Coordination applies across eligible accounts.

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