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4 Best Roth IRA accounts
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.
- Best for financial guidance: SoFi IRA
- Best for options trading: Tastytrade
- Promoted for automated retirement savings: Acorns Later Roth IRA
- Best for mobile trading: Interactive Brokers Roth IRA
Best for financial guidance
SoFi IRA
4.2
★★★★★
Finder score
SoFi Invest is one of the only brokers in the industry that offers unlimited, 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. Meanwhile, its robo-advisor is available with no management fees — another industry rarity. Trade stocks, ETFs, options and crypto 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 |
| IRA match | 1% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 |
| IRA match | 1% |
Best for options trading
Tastytrade
4.4
★★★★★
Finder score
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 |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $0 |
Promoted for automated retirement savings
Acorns Later
4.2
★★★★★
Finder score
With recommended IRA plans and automatic investing, stashing away money for retirement couldn't be easier. Get a recommended portfolio based on your age and timeline to retirement and put your savings on autopilot with recurring investments. Acorns will automatically rebalance your portfolio as you age, keeping you on track toward your investment goals.
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 |
| IRA match | 1% or 3% depending on your subscription |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $3 |
| IRA match | 1% or 3% depending on your subscription |
Best for mobile trading
Interactive Brokers IRA
4.5
★★★★★
Finder score
Pro-grade mobile trading tools
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 |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 |
Methodology: How we choose the best Roth IRA accounts
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.
Compare brokerages that offer Roth IRA accounts
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What is a Roth IRA?
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:
- Are at least 59.5 years old
- Had the account open for at least five years
- However, nonqualified withdrawals generally trigger an early withdrawal penalty and federal income tax.
How does a Roth IRA work?
When you open a Roth IRA, you can build a retirement investment portfolio with a variety of assets.
- Stocks
- Bonds
- Mutual funds
- ETFs
- Certificates of deposit (CDs)
- Cash
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.
What should you look for when choosing the best Roth IRA accounts?
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.
- Tradable assets. Not every IRA custodian offers the same investment options in an IRA as it does in an individual brokerage account. Stocks and ETFs are standard, but what if you want to expand into options, mutual funds or bonds?
- Account types. What other account types, in addition to IRAs, does the custodian offer? Consider your other investment needs and how important it is to maintain all your accounts under one roof.
- Research and data tools. In-house research and tools simplify investing, as you don’t have to venture elsewhere to make an informed decision about an investment. If you’re a passive index investor, extensive research and analysis tools may not matter all that much. Active stock pickers may feel otherwise.
- Mobile app reviews. Mobile trading is more popular than ever, allowing you to trade and invest from anywhere. Check out what current or previous customers say about the platform’s functionality.
- Signup bonus. While it may not make sense to choose an IRA custodian solely based on whether or not they offer a signup bonus, a new customer incentive such as a free stock may be enough to help you choose one over another if all else is equal.
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