Betterment vs Stash

Betterment is a great robo-advisor for beginners with low fees, good tools, and tax strategies. How does it compare to Stash? Read our comparison chart below.

Betterment offers automatic investing starting at $4/month for accounts with less than $20,000. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

While Stash simplifies investing for novices. This app is not a robo-advisor and will not manage investments for you. Instead, it guides beginners to select investments aligned with their goals and risk level. There is no minimum balance to start investing.

Compare Betterment with Stash, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Betterment	Stash
	SPECIAL OFFER Compare Pricing - Learn More Read Betterment Review	SPECIAL OFFER Sign Up and Get $5 - Learn More Read Stash Review
	Benefits and Features
Savings	Betterment Cash Reserve - Earn 3.25% APY**
Stock Trading		$0
Options Trading		No
Annual Fee	Digital: 0.25% annual fee for accounts with $20,000 or more or with monthly recurring deposits of $250 or more, $4/month for accounts with less than $20,000 Premium: 0.65% for accounts $100,000 or more	STASH Growth ($3/mo) STASH+ ($12/mo)
Minimum Deposit	$0	$1
Checking	No-Fee Checking
Phone Support	Yes	Yes - normal business hours, plus Sat & Sun 11a-5p ET
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	Yes ($100k minimum)	No
Robo Advisor	Yes	Yes
Assets Under Management	$50+ Billion	$3 Billion
Minimum Investment	$0
Tax Loss Harvesting	Yes	No
Goal Tracker	Yes	Yes
Automatic Deposits	Yes	Yes
Online Platform	Yes	Yes
iPhone App	Yes	Yes
Android App	Yes	Yes
Banking	Offers checking account with a free debit card, and a high-yield cash account	All users get a cash account with a debit card. No minimum balance, no overdraft fees, and free ATM access at 55,000+ ATMS.
Mobile App	iOS & Android	iOS & Android
Trading Platform		Web Trading, Mobile Apps
Single Stock Diversification	No
Fractional Shares	Yes	Yes
Taxable Accounts	Yes	Yes
401k Plans	Yes	No
IRA Accounts	Yes	Yes
Roth IRA Accounts	Yes	Yes
SEP IRA Accounts	Yes	No
Trust Accounts	Yes	No
529 Plans	No	No
	CreditDonkey® Reviews
Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & Cons	Pros: No minimum investment Customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors	Pros: Guidance for beginners Automatically save and invest through round-ups and recurring transfers Cons: Fees are high for small balances High ETF expense ratio Limited research
Bottom Line	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review	Good investment app to guide beginners to invest in stocks... Read full review
	Compare Pricing Betterment Cash Reserve - Earn 3.25% APY** Invest with Automated Portfolios	Sign Up and Get $5
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Betterment: Pricing information from published website as of 02/20/2026. Stash: Pricing information from published website as of 11/30/2025.

Which is Better: Betterment or Stash?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Betterment or Acorns.

In short: Betterment's annual fee and customer service are noteworthy.