Betterment

aid: betterment
name: Betterment
type: Index
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/betterment/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.19'
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
apis:
- name: Betterment at Work Payroll Integration API
  description: 'Private partner API enabling payroll providers and HR platforms to integrate with Betterment''s 401(k) plan
    administration system. Automates employee eligibility tracking, contribution deductions, and account data synchronization.
    Access requires a formal partner onboarding agreement with Betterment. Currently integrated with ADP, Gusto, Rippling,
    Paychex, and 350+ additional payroll providers.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.betterment.com/work/payroll-integrations
  baseURL: https://api.betterment.com
  tags:
  - 401k
  - Payroll
  - HR Integration
  - Retirement
  - Partner API
  properties:
  - type: Documentation
    url: https://www.betterment.com/work/payroll-integrations
  - type: Contact
    url: https://www.betterment.com/work/employers
- 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
  - Investments
  - Transactions
  - Plaid
  properties:
  - type: Documentation
    url: https://plaid.com/docs/investments/
  - type: Documentation
    url: https://plaid.com/docs/api/accounts/
common:
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com