Side by side
Betterment vs Human Interest
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.
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 Paid AndroidiPhoneWeb
Human Interest offers employer retirement plans with payroll deductions and three paid tiers. The higher plans add fiduciary, filing, compliance, support, and account-management services.
Visit Human InterestThe facts
| Betterment | Human Interest | |
|---|---|---|
| Free plan | No | No |
| Open source | No | Not published |
| Runs on | Android, iPhone, Web | Android, iPhone, Web |
| Lowest paid plan | Premium: $0.65 a year | Essentials: $80 a month |
| Plans published | 3 | 3 |
| Maker | Not published | Not published |
| Website | betterment.com | humaninterest.com |
| On 401(k) software | #2 of 14 | #6 of 14 |
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.
Human Interest: what it does well
- Supports 401(k) and 403(b) plans
- Payroll deductions are available
- Automatic enrollment in Essentials
- Compliance monitoring in Concierge
- Available on web, Android, and iOS
What to know first
- No free plan
- Monthly base fee plus employee charge
- Pricing starts at 80 USD per month
- Higher tiers cost 180 or 280 USD monthly
Alternatives to Betterment Alternatives to Human Interest The whole list