Betterment

Betterment is a robo-advisor and financial planning platform offering automated investment management, tax-loss harvesting, retirement planning, and goal-based portfolio rebalancing. Founded in 2010, Betterment serves individual investors through its Digital and Premium Advisory plans, and employers through Betterment at Work — a 401(k) plan administration product that integrates with 350+ payroll providers via a private partner API. Betterment does not offer a public developer API; third-party application developers access Betterment account data through open banking aggregators such as Plaid and BankSync. Betterment Engineering maintains an active open-source presence on GitHub, publishing internal tools for background job processing, split testing, Flutter golden testing, and Rails security.

Betterment is listed with 1 API on the APIs.io network. Tagged areas include Robo-Advisor, Automated Investing, Financial Planning, Tax-Loss Harvesting, and Retirement Planning.

Betterment’s developer surface includes engineering blog, pricing, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.0/100 emerging ▬ flat Agent 1/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 API

Robo-Advisor Automated Investing Financial PlanningTax-Loss HarvestingRetirement Planning Portfolio Management 401k Fintech Wealth ManagementInvestment RebalancingOpen Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 18.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 8.1 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/betterment/"><img src="https://apis.io/badge/betterment/card.svg" alt="Betterment on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Operational Transparency scores 2.6 — up to +12.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/betterment/apis.yml: open an issue on github.com/api-evangelist/betterment to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Asset and Wealth Management	regulated	19.2 (thin)	-	-
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Betterment via Plaid (Open Banking)

Betterment investment and cash account data is accessible to third-party developers via the Plaid open banking aggregator. Through Plaid, developers can retrieve account balance...

Betterment API pricing

Not yet checked against Betterment's own pricing page. Compiled by API Evangelist from www.betterment.com/pricing; confirm before you rely on a figure.

Plan	Price
Digital (Flat Fee)	$5.0
Digital (AUM-Based)	$0.25
Premium Advisory	$0.65
Betterment at Work (401k)	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Betterment Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Betterment Trust Center

SOC 2, ISO 27001, ISO 27017, ISO 27018, PCI DSS, HIPAA, FedRAMP, GDPR, CSA STAR

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

DataAggregationDisclosure

DataAggregationDisclosure

SecurityPage

SecurityPage

Operate 2

Status, limits, changes, and where to get help

Contact

Contact

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

PrivacyPolicy

TermsOfService

Plans

FinOps

Company 4

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

LinkedIn

Other 2

Properties that don't map to a standard resource type

ProductPage

ProductPage

Source (apis.yml)

aid: betterment
name: Betterment
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/betterment.png
url: https://raw.githubusercontent.com/api-evangelist/betterment/refs/heads/main/apis.yml
created: 2026-06-13
modified: '2026-10-06'
specificationVersion: '0.23'
description: 'Betterment is a robo-advisor and financial planning platform offering automated investment management, tax-loss
  harvesting, retirement planning, and goal-based portfolio rebalancing. Founded in 2010, Betterment serves individual investors
  through its Digital and Premium Advisory plans, and employers through Betterment at Work — a 401(k) plan administration
  product that integrates with 350+ payroll providers via a private partner API. Betterment does not offer a public developer
  API; third-party application developers access Betterment account data through open banking aggregators such as Plaid and
  BankSync. Betterment Engineering maintains an active open-source presence on GitHub, publishing internal tools for background
  job processing, split testing, Flutter golden testing, and Rails security.

  '
tags:
- Robo-Advisor
- Automated Investing
- Financial Planning
- Tax-Loss Harvesting
- Retirement Planning
- Portfolio Management
- 401k
- Fintech
- Wealth Management
- Investment Rebalancing
- Open Banking
tags_raw:
- Robo-Advisor
- Automated Investing
- Financial Planning
- Tax-Loss Harvesting
- Retirement Planning
- Portfolio Management
- 401k
- Fintech
- Wealth Management
- Investment Rebalancing
- Open Banking
- Portfolio-Management
apis:
- name: Betterment via Plaid (Open Banking)
  description: 'Betterment investment and cash account data is accessible to third-party developers via the Plaid open banking
    aggregator. Through Plaid, developers can retrieve account balances, holdings, transaction history, and account metadata
    for user-authorized Betterment accounts. Users authenticate directly with Betterment through Plaid Link; Betterment does
    not expose credentials to third parties.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://plaid.com/docs/investments/
  baseURL: https://production.plaid.com
  tags:
  - Open Banking
  - Account Data
  - Investment
  - Transaction
  - Plaid
  tags_raw:
  - Open Banking
  - Account Data
  - Investments
  - Transactions
  - Plaid
  properties:
  - type: Documentation
    url: https://plaid.com/docs/investments/
  - type: Documentation
    url: https://plaid.com/docs/api/accounts/
common:
- url: https://www.betterment.com/resources/rss.xml
  type: BlogRSS
- type: TrustCenter
  url: security/betterment-trust-center.yml
- type: DomainSecurity
  url: security/betterment-domain-security.yml
- type: Website
  url: https://www.betterment.com
- type: Blog
  url: https://www.betterment.com/engineering
- type: GitHubOrganization
  url: https://github.com/Betterment
- type: LinkedIn
  url: https://www.linkedin.com/company/betterment/
- type: X
  url: https://twitter.com/Betterment
- type: Pricing
  url: https://www.betterment.com/pricing
- type: Contact
  url: https://www.betterment.com/contact
- type: PrivacyPolicy
  url: https://www.betterment.com/security/privacypolicy
- type: TermsOfService
  url: https://wwws.betterment.com/app/terms/everyday
- type: DataAggregationDisclosure
  url: https://www.betterment.com/legal/data-aggregation-disclosure
- type: SecurityPage
  url: https://www.betterment.com/resources/built-two-factor-authentication-betterment-accounts/
- type: Plans
  url: plans/plans.yml
- type: RateLimits
  url: rate-limits/rate-limits.yml
- type: FinOps
  url: finops/finops.yml
- type: ProductPage
  url: https://www.betterment.com/work/payroll-integrations
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Betterment API — frequently asked questions

Does Betterment have an API?

Yes. APIs.io lists 1 API from Betterment, including Betterment via Plaid (Open Banking).

How much does the Betterment API cost?

APIs.io lists 4 pricing plans for Betterment, with each plan's price, limits and inclusions under Pricing on this page.

Is the Betterment API ready for AI agents?

Betterment has a Kin Score of 18.0 out of 100 (emerging) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/betterment"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/betterment/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/betterment/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.