Not all brokerages offer Roth IRAs — and the ones that do aren’t always winners. We’ve curated six standout platforms to help you find the best place to open a Roth IRA.
SoFi Invest is one of the only brokers in the industry that offers complimentary access to certified financial planners, a service that can cost you several hundred dollars a session. As a SoFi customer, these consultations come at no additional cost.
Connect with a SoFi financial planner and discuss anything from investment strategies to paying off debt to tax planning. Trade stocks, ETFs and options 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% |
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. Expanded investment options, 24/5 trading and IRAs that pay matching contributions 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 — while all IRA transfers and 401(k) rollovers earn 1%, with no cap. All this on top of fractional share trading, 100% commission-free trades, 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% |
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 |
| Annual fee | $0 per year |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $0 per year |
Get a 1% match when you subscribe to Acorns Personal Plus or a 3% match with Acorns Premium.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $3 per month |
| IRA match | 1% or 3% depending on your subscription |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $3 per month |
| IRA match | 1% or 3% depending on your subscription |
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 |
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.
See how we weigh the overall rating
| Investment options | Trading platforms | Trading costs | Account fees | Account types | Customer support | Mobile app reviews | Features |
|---|---|---|---|---|---|---|---|
| 21% | 12% | 9% | 13% | 5% | 7% | 8% | 25% |
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.
Paid non-client promotion. Finder does not invest money with providers on this page. If a brand is a referral partner, we're paid when you click or tap through to, open an account with or provide your contact information to the provider. Partnerships are not a recommendation for you to invest with any one company. Learn more about how we make money.
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.
The Finder Score crunches 147 key metrics we collected directly from 18+ brokers and assessed each provider’s performance based on nine different categories, weighing each metric based on the expertise and insights of Finder’s investment experts. We then scored and ranked each provider to determine the best brokerage accounts.
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.
Read the full Finder Score breakdown
A Roth IRA is a retirement savings account that allows tax-free growth on your investments. Withdrawals also are tax free on a federal basis if you meet these requirements:
When you open a Roth IRA, you can build a retirement investment portfolio with a variety of assets.
You fund a Roth IRA with “after-tax” dollars. This means you’ve already paid income tax on that money, so you can withdraw your contributions any time penalty- and tax-free.
However, Roth IRAs have contribution limits set each year by the IRS and based on your modified adjusted gross income (MAGI). For 2024 that limit is $7,000 — or $8,500 if you’re age 50 or older.
But that limit applies to you if your MAGI is less than $161,000 — or $240,000 if married filing jointly. Once your MAGI goes above that amount, your maximum contribution begins to diminish until you can’t contribute at all.
You have until the next tax filing deadline to reach your maximum Roth IRA contribution.
Finder’s picks for the best Roth IRA accounts are meant to provide you with a starting point for finding the right broker for you. That said, it’s important to consider your personal preference and individual investing goals too.
Consider the following factors when comparing your options:
From trading fees to miscellaneous fees, it’s important to understand the cost to trade and invest. Consider which investment products you plan to trade and the fees that apply, but also be mindful of any back-end fees, such as inactivity or transfer fees, that can also eat into your profit.
APY stands for “annual percentage yield” and factors in compound interest. See why the difference between APY and interest matters so much.
Interest-bearing accounts passively grow your money. Compare common types of accounts that earn interest and find the best one for you.
Try to keep enough money in your checking account to cover monthly expenses, plus a small cushion. Read more tips here.
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