You’re about to see some the best Roth IRA accounts on the market.
These picks are determined using an unbiased rating system that considers everything from trading costs and fees to investment options, trading platforms, features, customer support availability and more.
In fact, I use several of these exact Roth IRA providers to invest for my retirement.
With that, it’s time to reveal our picks of the best Roth IRA accounts.
Why trust Finder
We're big on editorial independence. That means our content, reviews and ratings are fair, accurate and trustworthy. We don't let advertisers or partners sway our opinions. Our financial experts put in the hard work, spending hours researching and analyzing hundreds of products based on data-driven methodologies to find the best accounts and providers for you. Explore our editorial guidelines to see how we work.
9.2 Excellent
Fidelity's undeniably one of the best brokers on the market. Its investment options are diverse and its trading tools robust — exactly what you'd expect from a full service broker. Fidelity offers mobile, web-based and desktop trading platforms, with access to top-tier research and analysis tools like advanced charts, valuation metrics and third-party research reports. It also offer beginner-friendly resources, such as trending stock lists, educational resources and 24/7 customer support. Fidelity also boasts some of the lowest back-end account fees in the industry.
Meanwhile, Fidelity offers industry-leading planning and advice resources, including both human and robo-advisor portfolio management services.
Other winning categories: Best IRA account without fees
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Custodial |
| Annual fee | $0 per year |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Custodial |
| Annual fee | $0 per year |
8.6 Great
Designed primarily for derivatives trading, tastytrade boasts an impressive collection of trading products in its IRAs and some of the best pricing on options and futures contracts in the industry. Stocks and ETFs are commission-free, options have no closing commissions and its trading platforms are powerful, with advanced trading, research and analysis tools, including profit and loss visualizations and a quick roll feature to roll your option position into the future.
Meanwhile, tastytrade offers a comprehensive learning center with video and live demos to help you level up your trading.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Beneficiary Traditional, Beneficiary Roth |
| Annual fee | $0 per year |
| IRA match | N/A |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Beneficiary Traditional, Beneficiary Roth |
| Annual fee | $0 per year |
| IRA match | N/A |
8.2 Great
SoFi Invest® provides access to certified financial planners, a valuable service that often costs hundreds of dollars per session. SoFi Plus members can enjoy as many appointments with financial planners as they like during their eligibility period, while non-SoFi Plus members are limited to one appointment. Get access and connect with a SoFi financial planner to discuss anything from investment strategies to paying off debt to tax planning. Start with as little as $1 with SoFi's robo-advisor and get a custom portfolio of low-cost ETFs, with recurring deposits and automatic rebalancing.
Meanwhile, hands-on investors can trade stocks, ETFs, mutual funds and alternative asset interval funds with a broker that makes investing approachable and professional financial guidance accessible.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
8 Great
Plan for retirement with Public's Traditional, Roth and Rollover IRAs, offering access to stocks, ETFs and options. Enjoy commission-free trading on stocks, ETFs and options, plus rebates on options trades with no per-contract fees. Unlike many brokers, Public does not use payment for order flow (PFOF) on stocks and ETFs, ensuring your trades prioritize optimal order execution. With Public's Investment Plans, you can set up recurring contributions to a pre-made portfolio or customize your own with up to 20 assets. Plus, earn up to $10,000 with each rollover or transfer.
| Minimum deposit | $1 |
|---|---|
| Signup bonus | Get up to $10,000 and transfer fees covered |
| Minimum deposit | $1 |
|---|---|
| Signup bonus | Get up to $10,000 and transfer fees covered |
8 Great
One of the most trusted names in the industry, Vanguard's history dates back to when it launched its first mutual fund back in 1929. Today, Vanguard continues to stand out for its vast low-cost collection of index funds, actively managed funds, target retirement funds and environmental, social and corporate governance-focused funds.
But Vanguard also offers access to stocks, options, ETFs and bonds in its IRAs, few account fees and access to human and robo financial advisory services for those looking for additional guidance on their investments.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Spousal, Rollover |
| Annual fee | $25 per month |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Spousal, Rollover |
| Annual fee | $25 per month |
9 Excellent
In addition to receiving high marks from both Apple and Android users, Interactive Brokers' (IBKR) main mobile trading platform, IBKR Mobile, offers the powerful trading tools that many brokers reserve for their web and desktop trading platforms. These include advanced, interactive charts with over 90 indicators, analyst ratings and price targets, earnings estimates, company financials and more. In other words, there's little you can't do with IBKR Mobile. What's more, Interactive Brokers offers the more beginner-friendly IBKR GlobalTrader and IMPACT mobile trading platforms for those looking for a more simplified investing experience.
IBKR Mobile is the most feature-rich mobile platform according to Finder's analysis, while IBKR GlobalTrader is a solid option for beginners. Tack on its wide range of investment options, low trading costs and access to global markets and you can see why IBKR is not only the best IRA for mobile trading but also one of the best brokerage accounts on the market.
Other winning categories: Best for international trading
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per year |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per year |
8.8 Great
It wasn't just its offering of commission-free trades that led Robinhood to transform the way people buy and sell stocks over the past decade but also its beginner-friendly mobile app with its intuitive design and agile interface, which simplified investing for the masses. Nothing's changed on that front. IRAs that pay matching contributions and 24/5 trading are just some of the upgrades Robinhood's made since first launching.
Robinhood's launch of its IRA matching contributions is yet another innovative product that keeps it steps ahead of other brokers. Earn up to a 3% match on annual contributions with Robinhood Gold or 1% without. IRA transfers and 401(k) rollovers completed by April 30 earn 2% with Robinhood Gold and 1% without, with no cap. All this on top of fractional share trading, 100% commission-free trades for stocks, ETFs and options, instant deposits and a user-friendly platform that makes investing a breeze. Robinhood has lots to offer investors looking to build a retirement portfolio, and it'll reward you for making the move.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 3% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 3% |
8.8 Great
Betterment introduced the world to robo-advisors when it first launched onto the scene in 2010 with its automated portfolios of stocks and bonds, and it's been at the top of the robo-advisory service pack ever since. Today, Betterment's refined automated investing platform includes numerous curated portfolio options, a high-yield cash account and access to a human advisor, which has helped it rack up over 800,000 customers and more than $40 billion in assets under management.
| Minimum deposit | $10 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Inherited |
| Annual fee | 0.25% on balances up to $99,999 0.4% on balances of $100,000+ |
| Minimum deposit | $10 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Inherited |
| Annual fee | 0.25% on balances up to $99,999 0.4% on balances of $100,000+ |
8.4 Great
Minors and young adults needn't look further than E*TRADE to get started investing for the later years in life. Pioneer of online trading, E*TRADE offers one of the most diverse lineups of IRA account types among brokers we review. Six IRA types in total, including custodial IRAs
While an adult is required to manage the account, E*TRADE's IRA for minors offers traditional and Roth IRAs for children under 18 years old with earned income. No annual IRA fees, no account minimums, just access to a wide range of investment choices, including commission-free stocks, options and ETFs.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover, Beneficiary Traditional |
| Annual fee | $0 per year |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover, Beneficiary Traditional |
| Annual fee | $0 per year |
8.8 Great
Newcomer investing apps may have the edge in terms of offering a more enhanced user experience, but traditional brokers like Schwab sweep the floor with these apps when it comes to the breadth of investment options, access to expert guidance and, for self-guided investors, extensiveness of research tools.
There's Schwab Equity Ratings, MSCI ESG ratings, Morningstar ratings, Thomson Reuters ratings, CFRA ratings, Argus ratings and MarketEdge ratings. There's premium analyst reports, screeners, market news and stock lists. There's dividend history and growth statistics, expected and historical earnings information, a peer and ratios comparison, detailed company financials and time-saving technical analysis summaries. In other worse, an IRA with one of the nation's largest investment services firms may just be what you need if research plays a big role in your investment strategy.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Custodial, SIMPLE |
| Annual fee | $0 per month |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover, Custodial, SIMPLE |
| Annual fee | $0 per month |
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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.
Finder’s investments experts review 18 brokers available on the market to narrow down the best Roth IRAs for trading and investing.
We analyze each platform based on 147 key metrics we collect directly from brokers and assess each provider’s performance based on eight different categories, weighing each metric based on the expertise and insights of Finder’s investment experts. We then score and rank each provider depending on how it performs in each category. If a broker offers a unique, standout feature that’s a key distinguisher between others, the broker is given additional recognition.
How we weigh the overall rating
| Category | Weighting |
|---|---|
Investment options | 25% |
Trading platforms and technology | 15% |
Trading costs | 10% |
Account fees | 10% |
Account types and minimums | 5% |
Customer support | 10% |
Mobile app ratings and security | 2.5% |
Features and amenities | 20% |
IRA match | 2.5% |
We update our best picks as products change, disappear or emerge in the market. We also regularly review and revise our selections to ensure our best provider lists reflect the most competitive available.
Curious about your future nest egg? Use our calculator.
Opening an IRA isn’t much different than opening a brokerage account or bank account. With most providers, you can open an IRA online in minutes.
Choose a broker or robo-advisor, and complete a brief application by providing personal information such as your name, address, date of birth and Social Security number. Completed applications are typically approved instantly, though the broker may take a couple days to verify your information. Then, connect a bank account to fund your account or rollover an old 401(k).
Finder’s picks for the best Roth IRA accounts are meant to provide you with a starting point for finding the right broker for your retirement. That said, it’s important to consider your personal preference and individual investing goals too.
Consider the following factors when comparing your options:
Before you choose, you may want to give some thought to what the differences between traditional and Roth IRAs are. The main difference is how they’re taxed: Contributions to traditional IRAs are tax-deductible, but distributions are taxed. Roth IRAs allow tax-free distributions, but you’ll pay taxes on your contributions and not distributions. If you’re saving and building up gains in the account for a long time, a Roth may give you more in the end.
If you’re saving and building up gains in the account for a long time and think you’ll be in a higher tax bracket when you leave the workforce, a Roth may be a better option. But if a tax deduction in the year in which you made the contribution is more important, then a traditional IRA may be more suitable. Alternatively, open a traditional IRA and a Roth IRA, if you’re eligibile, for a choice of taxable or tax-free contributions and income when you retire. You can’t contribute more than the total contribution limit for that tax year to all your IRAs, and Roth IRAs have specific income limits you need to meet to qualify to open an account.
What Bob thinks about where to hold your Roth IRA:
When choosing where to hold your Roth IRA, one thing you might consider is whether you want to invest in mutual funds. You can generally only buy a mutual fund from its home provider – at least if you want to avoid fees. For example, Fidelity's FZROX is a total stock market mutual fund with a 0.00% expense ratio. If you want to buy this fund, you buy it directly from Fidelity. The same is true for other popular mutual funds.
— Bob Haegele, Personal finance writer and expert
An IRA is a fundamental account for retirement savers. Trade most assets just as you would in an individual brokerage account but enjoy valuable tax benefits as you do so — benefits like tax-free or tax-deferred growth on the contributions and investment earnings in your account and tax-deductions or tax-free withdrawals in retirement. Invest up to $7,000 ($8,000 if you’re age 50 or older) in one of these accounts in 2024 and let the tax benefits boost your savings to potentially grow more quickly than in a taxable account.
But according to Finder’s Consumer Confidence Index, not all Americans who buy stocks do it through one of these accounts. Of Americans that invest in stocks, 45% trade and invest through a taxable brokerage account. Only 25% invest through an IRA and take advantage of these valuable tax benefits, while 21% have no IRA at all.
| If you're a | And want to | Consider this |
|---|---|---|
Beginner investor |
Do most or all of your trading on your mobile device |
|
Beginner investor |
Trade and invest with as few fees as possible |
|
Beginner investor |
Outsource portfolio management automatically and at a low cost |
|
Beginner investor |
Gain exposure to multiple assets like stocks, bonds or gold through a single fund |
|
Experienced investor |
Get an overall idea of providers on the market and what they're best for |
|
Experienced investor |
Invest internationally in stocks, ETFs and other assets |
|
Retirement saver of any experience level |
Save for retirement with upfront tax benefits |
|
Retirement saver of any experience level |
Save for retirement and enjoy tax-free withdrawals |
|
Investor of any experience level |
Diversify with low-cost index funds |
If you’re a beginner looking to open a Roth IRA, platforms like SoFi Invest and Robinhood make it incredibly easy to start investing and may be the best platforms with which to start a Roth IRA. Meanwhile, big-broker platforms like Fidelity and Charles Schwab offer the most flexibility in terms of investment options and trading tools.
A Fidelity Roth IRA is a great choice if you want an account with one of the largest US brokerage firms, with low fees and access to a range of investment options.
More conservative investments include US Treasuries, municipal bonds, money market funds, low-risk dividend-yield stocks, CDs, mutual funds and other index funds.
You can withdraw your original Roth IRA contributions at any time; however, you must own the account for at least five years before your earnings can be distributed tax-free. Earnings withdrawn before the age of 59 and a half are subject to a 10% penalty.
How much a Roth IRA will grow in 20 years depends on the initial balance, ongoing contributions and the types of investments in your account.
Explore the pros and cons of the best SEP IRAs and learn how to open one of these accounts.
Explore the advantages and shortcomings of the best rollover IRAs for beginners, mobile trading, advanced traders and more.
Review the best retirement plans in 2025, from employer-offered to individually opened to retirement plans for small business owners.
Compare the key differences in contribution limits, tax advantages and investment options between 403(b)s and Roth IRAs.
Compare the key differences in investment options, contribution limits and tax advantages between SIMPLE IRAs and Roth IRAs.
Learn about the different types of IRAs and which is right for you.
Check out our picks of the best IRA accounts for beginners, options traders, hands-off investors and more.
A retirement plan for self-employed individuals but may come with high administrative fees.
Pros and cons to consider before you sign up for a Goldco precious metals IRA.