Home › Invest › Robo-advisors › Betterment vs SoFi Automated Investing
Both invest for you automatically. Here's how Betterment and SoFi Automated Investing compare on fees, minimums, tax-loss harvesting and cash.
| Betterment | SoFi Automated Investing | |
|---|---|---|
| Advisory fee | $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65% | 0.25%/yr |
| Minimum to start | No minimum balance | $50 |
| Tax-loss harvesting | Yes, included | No (SoFi support says it doesn't offer automated tax-loss harvesting) |
| Cash account APY | Cash Reserve: 4.25% APY including a 0.75% boost (variable) | not found |
Sources: Betterment page (checked 2026-10-12) · SoFi Automated Investing page (checked 2026-10-12)
More on Betterment · More on SoFi Automated Investing · All robo-advisors
Advisory fee: Betterment $5/month, or 0.25%/yr with $24,000+ or $200+/mo recurring deposits; Premium 0.65%, SoFi Automated Investing 0.25%/yr; Minimum to start: Betterment No minimum balance, SoFi Automated Investing $50; Tax-loss harvesting: Betterment Yes, included, SoFi Automated Investing No (SoFi support says it doesn't offer automated tax-loss harvesting); Cash account APY: Betterment Cash Reserve: 4.25% APY including a 0.75% boost (variable), SoFi Automated Investing not found.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.