How to Cancel Betterment in 2026
Quick Summary
Monthly Cost
$4.00
Annual Cost
$48.00
Steps
4
Time
2–3 minutes
When you try to cancel
🔴 No offers, clean exit
Betterment has no retention discounts. Cancel or transfer your portfolio anytime online. No exit fees. Assets can be transferred in-kind to another brokerage (ACAT transfer, takes 5-7 business days).
Cancellation difficulty
Self-Serve
Cancel entirely through your account settings. No negotiation needed.
Wait, you might already have Betterment for free
Before canceling, check if any of these plans already include Betterment:
Betterment, includes Digital (0.25%/yr) or Premium (0.65%/yr)
Direct subscription; Digital charges $4/mo flat on small accounts unless you have a $250+ monthly recurring deposit or $20,000+ balance
Employer 401(k) via Betterment at Work, includes Workplace advisory and financial wellness
If your employer offers a Betterment at Work 401(k), advisory tools may be included as an employee benefit
Before You Cancel, Save Money Instead
Most Betterment customers can lower their bill by 30-50% with retention scripts, hidden discounts, and plan optimization. You could save up to $2.00/month without canceling.
See our Betterment savings guide →Step-by-Step Cancellation Instructions
- 1
Log in to betterment.com
- 2
Go to Settings → Account
- 3
Select Close Account or Transfer
- 4
Follow prompts (ACAT transfer takes 5-7 business days)
What to Expect During Cancellation
What they'll try
Discount offer in flow?
❌ No
Win-back email after?
❌ No
Access after cancel
Once an account balance hits zero you can close it; you keep access to tax documents for past years through the help center or by request.
Your data
Betterment retains records required by financial regulations, including tax forms for prior years, even after closure.
There is no monthly cancel button in the usual sense: you stop paying by emptying and closing accounts. Outbound ACATS transfers to another brokerage cost a flat $75 each and cannot be waived. A $4 monthly fee can still apply on a small remaining balance until it is fully withdrawn.
Other Finance Cancellation Guides
How Much Are You Really Overpaying?
Before you cancel, find out how much you could save across all your subscriptions. Free 30-second quiz.
About Betterment: Robo-advisor. Digital ($4/mo or 0.25% annually on balances $20K+), Premium (0.65% annually, $100K minimum, CFP access). No trading commissions.