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.
8.2 Great
SoFi Invest provides access to credentialed 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.
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 | N/A |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per month |
| IRA match | N/A |
8.4 Great
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 |
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 |
| IRA match | N/A |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per year |
| IRA match | N/A |
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 2025 that limit is $7,000 — or $8,000 if you’re age 50 or older.
But that limit applies to you if your MAGI is less than $165,000 — or $246,000 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.
Get up to a 3% IRA match with Robinhood and Acorns or a 1% IRA match with Public. See how to qualify here.
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.
Learn about the different types of IRAs and which is right for you.
Check out our picks of the best Roth IRA accounts for beginners, options traders, hands-off investors and more.
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.
