The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2022
Check here if Amendment   Amendment Number:
This Amendment (Check only one.):   is a restatement.
  adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: Betterment LLC
Address: 8 WEST 24TH STREET, 6TH FLOOR
NEW YORK , NY10010
Form 13F File Number: 028-16706

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Khaley Sestak
Title: Chief Compliance Officer
Phone: 2122281328
Signature, Place, and Date of Signing:
Khaley Sestak New York , NY 05-16-2022
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
  13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
  13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 224
Form 13F Information Table Value Total: 31,430,792
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
No. Form 13F File Number Name
SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR Common 464287176 541 4,342 SH SOLE 4,342 0 0
VANGUARD INDEX FDS Common 922908769 6,288,282 27,620,161 SH SOLE 27,620,161 0 0
ISHARES TR Common 464287408 85,180 547,009 SH SOLE 547,009 0 0
ISHARES TR Common 464287598 230 1,383 SH SOLE 1,383 0 0
ISHARES TR Common 464287473 236,291 1,975,014 SH SOLE 1,975,014 0 0
ISHARES TR Common 464287630 187,072 1,159,058 SH SOLE 1,159,058 0 0
ISHARES TR Common 464287457 3,347 40,159 SH SOLE 40,159 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 4,639,986 96,605,989 SH SOLE 96,605,989 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,924,226 63,390,990 SH SOLE 63,390,990 0 0
SPDR SP 500 ETF TR Common 78462F103 655 1,451 SH SOLE 1,451 0 0
ISHARES TR Common 464288679 485,420 4,402,907 SH SOLE 4,402,907 0 0
VANGUARD BD INDEX FD INC Common 921937835 122,337 1,538,059 SH SOLE 1,538,059 0 0
VANGUARD INDEX FDS Common 922908553 2,259 20,844 SH SOLE 20,844 0 0
ISHARES TR Common 464287226 800,577 7,475,041 SH SOLE 7,475,041 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 158,409 2,267,522 SH SOLE 2,267,522 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,763,566 33,630,161 SH SOLE 33,630,161 0 0
VANGUARD MALVERN FDS Common 922020805 522,919 10,211,273 SH SOLE 10,211,273 0 0
ISHARES TR Common 464287242 16,797 138,883 SH SOLE 138,883 0 0
ISHARES TR Common 464288414 839,276 7,654,833 SH SOLE 7,654,833 0 0
ISHARES TR Common 464288356 4,481 77,020 SH SOLE 77,020 0 0
ISHARES TR Common 464288323 5,214 95,588 SH SOLE 95,588 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 2,984 34,685 SH SOLE 34,685 0 0
SPDR SERIES TRUST Common 78464A375 223 6,517 SH SOLE 6,517 0 0
SPDR SERIES TRUST Common 78468R721 479,182 10,007,982 SH SOLE 10,007,982 0 0
ISHARES TR Common 464288281 813,365 8,320,014 SH SOLE 8,320,014 0 0
Invesco Common 46138E784 6,911 305,683 SH SOLE 305,683 0 0
SCHWAB STRATEGIC TR Common 808524102 397,473 7,444,713 SH SOLE 7,444,713 0 0
ISHARES TR Common 464287150 1,191,238 11,801,448 SH SOLE 11,801,448 0 0
VANGUARD INDEX FDS Common 922908744 1,863,237 12,608,182 SH SOLE 12,608,182 0 0
SCHWAB STRATEGIC TR Common 808524409 155,849 2,183,067 SH SOLE 2,183,067 0 0
VANGUARD INDEX FDS Common 922908512 1,509,552 10,085,866 SH SOLE 10,085,866 0 0
ISHARES TR Common 464287705 4,535 41,365 SH SOLE 41,365 0 0
VANGUARD INDEX FDS Common 922908611 1,289,011 7,326,423 SH SOLE 7,326,423 0 0
SCHWAB STRATEGIC TR Common 808524805 637,508 17,361,337 SH SOLE 17,361,337 0 0
ISHARES TR Common 46432F842 680,838 9,794,815 SH SOLE 9,794,815 0 0
SCHWAB STRATEGIC TR Common 808524706 2,929 105,475 SH SOLE 105,475 0 0
ISHARES INC Common 46434G103 560,695 10,093,523 SH SOLE 10,093,523 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 1,399 8,626 SH SOLE 8,626 0 0
SCHWAB STRATEGIC TR Common 808524870 1,660 27,350 SH SOLE 27,350 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 3,844 73,990 SH SOLE 73,990 0 0
ISHARES TR Common 464287200 5,624 12,396 SH SOLE 12,396 0 0
SCHWAB STRATEGIC TR Common 808524847 9,533 382,994 SH SOLE 382,994 0 0
Invesco Common 46090E103 9,158 25,262 SH SOLE 25,262 0 0
VANGUARD BD INDEX FD INC Common 921937793 10,906 118,940 SH SOLE 118,940 0 0
ISHARES TR Common 464287655 286 1,392 SH SOLE 1,392 0 0
ISHARES Common 464289479 854 13,331 SH SOLE 13,331 0 0
ISHARES TR Common 464287440 3,704 34,470 SH SOLE 34,470 0 0
SCHWAB STRATEGIC TR Common 808524300 1,114 14,889 SH SOLE 14,889 0 0
VANGUARD INDEX FDS Common 922908751 18,906 88,959 SH SOLE 88,959 0 0
VANGUARD INDEX FDS Common 922908363 65,912 158,758 SH SOLE 158,758 0 0
ISHARES TR Common 464287507 660 2,458 SH SOLE 2,458 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 1,079 38,952 SH SOLE 38,952 0 0
ISHARES TR Common 464287689 524 1,999 SH SOLE 1,999 0 0
SCHWAB STRATEGIC TR Common 808524797 488 6,181 SH SOLE 6,181 0 0
VANGUARD INDEX FDS Common 922908736 43,912 152,685 SH SOLE 152,685 0 0
ISHARES TR Common 464287804 694 6,435 SH SOLE 6,435 0 0
SCHWAB STRATEGIC TR Common 808524607 237 5,008 SH SOLE 5,008 0 0
ISHARES TR Common 464287309 398 5,207 SH SOLE 5,207 0 0
VANGUARD STAR FD Common 921909768 1,354 22,666 SH SOLE 22,666 0 0
SELECT SECTOR SPDR TR Common 81369Y506 426 5,577 SH SOLE 5,577 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 1,290 6,514 SH SOLE 6,514 0 0
SCHWAB STRATEGIC TR Common 808524201 5,535 102,793 SH SOLE 102,793 0 0
DBX ETF TR Common 233051879 311 9,390 SH SOLE 9,390 0 0
Invesco Common 46137V589 1,254 97,319 SH SOLE 97,319 0 0
INDEXIQ ETF TR Common 45409B107 1,475 47,825 SH SOLE 47,825 0 0
WISDOMTREE TR Common 97717W125 3,624 100,783 SH SOLE 100,783 0 0
ISHARES TR Common 464287465 223 3,030 SH SOLE 3,030 0 0
VANGUARD BD INDEX FD INC Common 921937819 11,349 138,571 SH SOLE 138,571 0 0
ETFS GOLD TR Common 00326A104 626 33,682 SH SOLE 33,682 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 1,481 13,197 SH SOLE 13,197 0 0
ISHARES TR Common 464288182 271 3,618 SH SOLE 3,618 0 0
VANGUARD BD INDEX FD INC Common 921937827 18,772 240,981 SH SOLE 240,981 0 0
ISHARES TR Common 464288646 11,164 215,853 SH SOLE 215,853 0 0
ISHARES Common 464286533 4,765 78,081 SH SOLE 78,081 0 0
WISDOMTREE TR Common 97717W281 593 11,119 SH SOLE 11,119 0 0
ISHARES TR Common 464288687 887 24,359 SH SOLE 24,359 0 0
ISHARES TR Common 464288588 14,719 144,490 SH SOLE 144,490 0 0
MARKET VECTORS ETF TR Common 92189H409 733 12,774 SH SOLE 12,774 0 0
ISHARES TR Common 464288653 478 3,553 SH SOLE 3,553 0 0
ISHARES TR Common 464287432 286 2,164 SH SOLE 2,164 0 0
VANGUARD BD INDEX FD INC Common 92206C847 684 8,506 SH SOLE 8,506 0 0
SPDR SERIES TRUST Common 78464A664 10,542 278,733 SH SOLE 278,733 0 0
CAMBRIA ETF TR Common 132061888 3,197 124,969 SH SOLE 124,969 0 0
CAMBRIA ETF TR Common 132061409 2,557 120,492 SH SOLE 120,492 0 0
CAMBRIA ETF TR Common 132061508 15,815 490,684 SH SOLE 490,684 0 0
CAMBRIA ETF TR Common 132061201 2,530 39,590 SH SOLE 39,590 0 0
CAMBRIA ETF TR Common 132061300 1,314 47,850 SH SOLE 47,850 0 0
CAMBRIA ETF TR Common 132061706 1,089 34,480 SH SOLE 34,480 0 0
Invesco Common 46090F100 789 44,734 SH SOLE 44,734 0 0
WISDOMTREE TR Common 97717W547 211 3,428 SH SOLE 3,428 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,435 27,829 SH SOLE 27,829 0 0
VANECK VECTORS TR Common 92189H300 1,272 47,147 SH SOLE 47,147 0 0
VANGUARD INDEX FDS Common 921932505 5,255 19,065 SH SOLE 19,065 0 0
VANGUARD INDEX FDS Common 921932703 2,973 19,727 SH SOLE 19,727 0 0
ISHARES TR Common 46432F859 1,418 29,265 SH SOLE 29,265 0 0
ISHARES TR Common 464288612 921 8,488 SH SOLE 8,488 0 0
VANGUARD BD INDEX FD INC Common 92206C771 9,232 184,277 SH SOLE 184,277 0 0
ISHARES TR Common 46435G672 2,681 51,422 SH SOLE 51,422 0 0
Goldman Sachs Common 381430503 241,158 2,708,422 SH SOLE 2,708,422 0 0
Goldman Sachs Common 381430107 114,482 3,497,769 SH SOLE 3,497,769 0 0
Goldman Sachs Common 381430206 21,078 622,142 SH SOLE 622,142 0 0
ISHARES TR Common 464288513 1,235 15,005 SH SOLE 15,005 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 4,256 45,431 SH SOLE 45,431 0 0
ISHARES TR Common 464287622 500 2,000 SH SOLE 2,000 0 0
SPDR SERIES TRUST Common 78468R622 272 2,657 SH SOLE 2,657 0 0
ISHARES TR Common 464289511 780 12,705 SH SOLE 12,705 0 0
SCHWAB STRATEGIC TR Common 808524755 316 9,798 SH SOLE 9,798 0 0
Vanguard Common 922908595 3,314 13,356 SH SOLE 13,356 0 0
Vanguard Common 922042775 306 5,319 SH SOLE 5,319 0 0
Vanguard Common 922908538 7,527 33,780 SH SOLE 33,780 0 0
Vanguard Common 922042742 701 6,925 SH SOLE 6,925 0 0
Vanguard Common 922908652 640 3,866 SH SOLE 3,866 0 0
iShares Common 464287648 421 1,647 SH SOLE 1,647 0 0
iShares Common 46432F834 312 4,692 SH SOLE 4,692 0 0
iShares Common 46434V407 13,753 312,862 SH SOLE 312,862 0 0
Invesco Common 46137V357 396 2,511 SH SOLE 2,511 0 0
Vanguard Common 921910816 308 1,307 SH SOLE 1,307 0 0
Vanguard Common 92206C409 5,447 69,748 SH SOLE 69,748 0 0
Vanguard Common 92206C706 466 7,404 SH SOLE 7,404 0 0
Schwab Common 808524763 418 7,812 SH SOLE 7,812 0 0
Goldman Sachs Common 381430529 381,929 3,821,584 SH SOLE 3,821,584 0 0
iShares Common 46429B655 9,523 188,497 SH SOLE 188,497 0 0
iShares Common 46432F339 206 1,529 SH SOLE 1,529 0 0
iShares Common 464286525 5,068 48,352 SH SOLE 48,352 0 0
WisdomTree Common 97717W505 416 9,372 SH SOLE 9,372 0 0
iShares Common 46432F388 225 2,152 SH SOLE 2,152 0 0
iShares Common 46432F396 1,510 8,975 SH SOLE 8,975 0 0
iShares Common 46431W507 11,368 229,324 SH SOLE 229,324 0 0
Vanguard Common 92206C102 2,841 47,939 SH SOLE 47,939 0 0
Schwab ETFs Common 808524862 226 4,558 SH SOLE 4,558 0 0
iShares Common 464288158 942 9,008 SH SOLE 9,008 0 0
Van Eck Common 92189H607 450 1,592 SH SOLE 1,592 0 0
WisdomTree Common 97717W760 641 9,339 SH SOLE 9,339 0 0
Invesco Common 46138E743 388 8,415 SH SOLE 8,415 0 0
SPDR State Street Global Advisors Common 78464A300 6,875 82,500 SH SOLE 82,500 0 0
Van Eck Common 92189F643 958 12,828 SH SOLE 12,828 0 0
Vanguard Common 921932869 1,071 5,566 SH SOLE 5,566 0 0
iShares Common 46434V613 1,195 24,084 SH SOLE 24,084 0 0
Vanguard Common 921932844 264 1,574 SH SOLE 1,574 0 0
SPDR State Street Global Advisors Common 78463X889 1,325 38,660 SH SOLE 38,660 0 0
iShares Common 464288570 54,375 627,743 SH SOLE 627,743 0 0
SPDR State Street Global Advisors Common 78464A409 635 9,598 SH SOLE 9,598 0 0
Van Eck Common 92189F437 2,224 73,161 SH SOLE 73,161 0 0
SPDR State Street Global Advisors Common 78464A284 280 5,085 SH SOLE 5,085 0 0
iShares Common 464288802 24,434 252,314 SH SOLE 252,314 0 0
WisdomTree Common 97717W562 270 5,635 SH SOLE 5,635 0 0
iShares Common 46434V464 173,355 1,061,769 SH SOLE 1,061,769 0 0
iShares Common 46434V647 394 13,478 SH SOLE 13,478 0 0
SPDR State Street Global Advisors Common 78464A508 52,628 1,260,554 SH SOLE 1,260,554 0 0
SPDR State Street Global Advisors Common 78463X509 22,190 574,282 SH SOLE 574,282 0 0
SPDR State Street Global Advisors Common 78468R747 3,086 33,437 SH SOLE 33,437 0 0
Vanguard Common 921946810 3,879 49,073 SH SOLE 49,073 0 0
iShares Common 464286285 7,918 198,997 SH SOLE 198,997 0 0
WisdomTree Common 97717X867 208 7,443 SH SOLE 7,443 0 0
Invesco Common 46138E206 556 21,533 SH SOLE 21,533 0 0
John Hancock Common 47804J206 358 6,819 SH SOLE 6,819 0 0
PIMCO Common 72201R304 8,487 102,795 SH SOLE 102,795 0 0
SPDR State Street Global Advisors Common 78464A854 304 5,715 SH SOLE 5,715 0 0
WisdomTree Common 97717W588 1,040 21,512 SH SOLE 21,512 0 0
SPDR State Street Global Advisors Common 78468R796 75,321 678,446 SH SOLE 678,446 0 0
WisdomTree Common 97717X511 741 15,477 SH SOLE 15,477 0 0
First Trust Common 33738R506 905 18,463 SH SOLE 18,463 0 0
iShares Common 46435G516 233,822 3,171,325 SH SOLE 3,171,325 0 0
First Trust Exchange-Traded Fund VIII Common 33740F805 2,222 44,809 SH SOLE 44,809 0 0
valueshares Common 02072L102 246 6,734 SH SOLE 6,734 0 0
iShares Common 46431W705 1,877 20,070 SH SOLE 20,070 0 0
iShares Common 46434G863 72,574 1,975,889 SH SOLE 1,975,889 0 0
Exchange Traded Concepts Trust Common 301505889 686 20,937 SH SOLE 20,937 0 0
SPDR State Street Global Advisors Common 78470E106 37,615 488,949 SH SOLE 488,949 0 0
iShares Common 46435G326 6,977 109,642 SH SOLE 109,642 0 0
iShares Common 46434V456 447 12,116 SH SOLE 12,116 0 0
iShares Common 46434V449 828 23,353 SH SOLE 23,353 0 0
Ark ETF Trust Common 00214Q401 328 3,756 SH SOLE 3,756 0 0
Ark ETF Trust Common 00214Q104 1,590 23,989 SH SOLE 23,989 0 0
ProShares Common 74348A533 238 7,297 SH SOLE 7,297 0 0
iShares Common 46435G474 5,849 210,695 SH SOLE 210,695 0 0
Pacer Common 69374H881 215 4,323 SH SOLE 4,323 0 0
SPDR State Street Global Advisors Common 78464A128 290 1,874 SH SOLE 1,874 0 0
iShares Common 46435G425 242,563 2,393,318 SH SOLE 2,393,318 0 0
SPDR State Street Global Advisors Common 78470E205 21,471 313,679 SH SOLE 313,679 0 0
WisdomTree Common 97717X578 3,152 96,499 SH SOLE 96,499 0 0
First Trust Common 33734X853 828 16,988 SH SOLE 16,988 0 0
Goldman Sachs Common 381430602 33,810 546,119 SH SOLE 546,119 0 0
Goldman Sachs Common 381430479 21,596 433,401 SH SOLE 433,401 0 0
Goldman Sachs Common 381430453 5,411 114,499 SH SOLE 114,499 0 0
XTRACKERS Common 233051432 5,572 147,724 SH SOLE 147,724 0 0
ISHARES Common 46435U853 8,234 211,901 SH SOLE 211,901 0 0
GraniteShares Common 38747R108 9,781 304,790 SH SOLE 304,790 0 0
SPDR State Street Global Advisors Common 98149E303 2,182 56,707 SH SOLE 56,707 0 0
JP Morgan Common 46641Q837 184,820 3,676,547 SH SOLE 3,676,547 0 0
Goldman Sachs Common 381430362 5,096 90,383 SH SOLE 90,383 0 0
iShares Common 46435U549 12,923 250,259 SH SOLE 250,259 0 0
AVANTIS INTL Common 025072802 506 8,088 SH SOLE 8,088 0 0
Avantis Common 025072877 972 12,171 SH SOLE 12,171 0 0
Goldman Sachs Common 38149W101 9,058 198,940 SH SOLE 198,940 0 0
Impact Shares Common 45259A209 3,194 95,245 SH SOLE 95,245 0 0
iShares Common 46435U440 40,718 804,858 SH SOLE 804,858 0 0
Dimensional Fund Advisors Common 25434V203 4,831 171,625 SH SOLE 171,625 0 0
Dimensional Fund Advisors Common 25434V302 2,287 87,147 SH SOLE 87,147 0 0
Dimensional Fund Advisors Common 25434V104 10,460 331,844 SH SOLE 331,844 0 0
Cambria Funds Common 132061813 1,001 31,668 SH SOLE 31,668 0 0
Dynamic Beta Investments Common 53700T827 283 9,892 SH SOLE 9,892 0 0
ISHARES Common 46435G193 9,825 390,969 SH SOLE 390,969 0 0
iShares Common 46436E619 2,281 49,075 SH SOLE 49,075 0 0
iShares Common 46435G243 2,818 114,405 SH SOLE 114,405 0 0
iShares Common 46436E759 411 6,743 SH SOLE 6,743 0 0
Vanguard Common 921910725 12,670 221,504 SH SOLE 221,504 0 0
iShares Common 46436E767 457 12,816 SH SOLE 12,816 0 0
iShares Common 46435U663 257 6,748 SH SOLE 6,748 0 0
VANGUARD Common 921910733 24,943 307,638 SH SOLE 307,638 0 0
Nationwide Nasdaq Common 26922A172 256 10,427 SH SOLE 10,427 0 0
SPDR State Street Global Advisors Common 78468R648 30,432 585,559 SH SOLE 585,559 0 0
PACER Common 69374H857 203 5,071 SH SOLE 5,071 0 0
Dimensional Common 25434V500 489 8,714 SH SOLE 8,714 0 0
Dimensional Common 25434V401 3,541 72,238 SH SOLE 72,238 0 0
Dimensional Common 25434V708 12,311 446,389 SH SOLE 446,389 0 0
iShares Common 46436E718 283 2,833 SH SOLE 2,833 0 0
Innovator Common 45782C797 462 15,268 SH SOLE 15,268 0 0
Innovator Common 45782C771 329 9,673 SH SOLE 9,673 0 0
Innovator Common 45782C821 911 32,185 SH SOLE 32,185 0 0
Engine No. 1 Common 29287L106 36,014 680,660 SH SOLE 680,660 0 0
Dimensional Fund Advisors LP Common 25434V880 6,300 252,494 SH SOLE 252,494 0 0
Exchange Traded Concepts LLC Common 301505624 571 32,907 SH SOLE 32,907 0 0
Simplify Asset Management Inc Common 82889N301 362 11,121 SH SOLE 11,121 0 0