Choosing the right IRA can have a meaningful impact on your retirement savings. In 2026, you can contribute up to $7,500 ($8,500 if 50+) to grow your retirement tax-free or tax-deferred. Fees, investment options, platform quality and perks like IRA matches all affect how much your money grows over time.
This guide evaluates top IRA providers and explains how to find the right account for your investing style.
Featured Roth IRA partners
The brokers featured below are partners. These cards highlight their strengths, but may not reflect our full methodology rankings.
Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
Must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Active or Automated investing account to qualify. Bonus calculated on net monthly recurring deposits made via ACH and paid out as Rewards Points. See Rewards Terms of Service. SoFi reserves the right to change or terminate this promotion at any time without notice. See terms and limitations. https://www.sofi.com/sofiplus/invest/#disclaimers
Get 1%–3% match on contributions, IRA transfers and 401(k) rollovers
Choose your investments or get a recommended portfolio of ETFs
Get bigger instant deposits, professional research and more with Robinhood Gold
How to choose the best Roth IRA for you
Choosing the best IRA isn’t just about picking the highest-ranked provider. All of the brokers on this page were evaluated and ranked using our methodology, which weighs objective factors like fees, investment options, account features, tools and overall usability.
That said, the right IRA for you depends on what you value most as an investor. Some platforms prioritize simplicity, others offer advanced trading tools and some focus on automation or incentives. The following sections highlight key trade-offs to help you identify which type of IRA aligns best with your needs.
Choosing a Roth IRA based on what matters most
Ease of use vs. advanced functionality
If you value a clean interface, simple workflows and an easier learning curve, these platforms tend to be more approachable — especially for newer investors:
SoFi Invest®
Robinhood
Public
If you’re comfortable navigating more complex platforms in exchange for deeper research, customization or professional-grade trading tools, these brokers may be a better fit:
Interactive Brokers
tastytrade
Charles Schwab
Trade-off: More advanced platforms often require more time to learn and manage and the user interface may not be as intuitive. That said, mobile-first brokers such as Robinhood and Public are building out their advanced trading tools, giving customers a simpler entry point to more complex strategies over time, without forcing them to navigate institutional-style platforms from day one.
Hands-off automation vs. hands-on control
If you prefer a largely automated approach to investing — with portfolios built, monitored and rebalanced for you — these brokers emphasize automation:
Betterment
Charles Schwab
Fidelity Investments
If you want full control over individual investments, trade timing and portfolio construction, these platforms are more self-directed:
Webull
Interactive Brokers
Robinhood
Trade-off: Automation can reduce decision-making, but limits control over specific holdings.
Incentives and simplicity vs. long-term flexibility
If features like contribution matches, promotions or simplified account structures matter most, these brokers stand out:
Robinhood
SoFi Invest®
Public
If you’re focused on long-term flexibility, broad investment access and robust retirement planning tools, these brokers may offer more depth over time:
Fidelity Investments
Charles Schwab
Interactive Brokers
Trade-off: Incentives can add short-term value, while broader platforms often shine over longer investing horizons.
All of the following providers remain strong choices overall — this framework is simply a shortcut to help you focus your comparison.
15+ online brokers reviewed and rated by our team of experts
Evaluated under our unbiased rating system covering eight categories
20+ years of combined experience covering financial topics
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.
SoFi Invest® stands out for combining low-cost investing with access to real financial guidance. In addition to commission-free trading, SoFi offers optional robo-advisory portfolios and access to credentialed financial planners — a service that's often expensive elsewhere.
Often a good fit if you:
Are newer to investing
Want access to financial planning support
Prefer low minimums and simple tools
Minimum deposit
$0
Retirement account types
Roth, Traditional, SEP, Rollover
Annual fee
$0 per month
IRA match
1%
SoFi Invest® stands out for combining low-cost investing with access to real financial guidance. In addition to commission-free trading, SoFi offers optional robo-advisory portfolios and access to credentialed financial planners — a service that's often expensive elsewhere.
Often a good fit if you:
Are newer to investing
Want access to financial planning support
Prefer low minimums and simple tools
Pros
Commission-free trading on stocks and ETFs with no minimum
User-friendly interface that's approachable for new investors
Optional automated investing and access to financial planners
Cons
Limited advanced research tools compared with full-service brokers
Fewer tradable asset types than traditional full-service brokers
No tax-loss harvesting in its robo offerings
Available asset types
Stocks, Mutual funds, ETFs, Alternatives
Account types
IRA
Annual fee
$0 per month
Minimum deposit
$0
Cash sweep APY
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.
Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA/ SIPC.
There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.
Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options
Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser.
Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see https://www.sofi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information
SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
Robo Advisor: Automated investing is offered through SoFi Wealth LLC, an SEC-registered investment adviser. 0.25% fee is based on your account value. The wrap program fee may cost more or less than purchasing brokerage, custodial, and recordkeeping services separately.
Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
Must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Active or Automated investing account to qualify. Bonus calculated on net monthly recurring deposits made via ACH and paid out as Rewards Points. See Rewards Terms of Service. SoFi reserves the right to change or terminate this promotion at any time without notice. See terms and limitations. https://www.sofi.com/sofiplus/invest/#disclaimers
Robinhood separates itself from most brokers by offering an IRA contribution match, rewarding investors simply for saving. Eligible investors earn 1% on IRA contributions and rollovers — or up to 3% with Robinhood Gold.
Often a good fit if you:
Value incentives for saving
Prefer a mobile-first investing experience
Want commission-free trading with fractional shares
Minimum deposit
$0
Retirement account types
Roth, Traditional, Rollover
Annual fee
$0 per month
IRA match
Up to 3%
Robinhood separates itself from most brokers by offering an IRA contribution match, rewarding investors simply for saving. Eligible investors earn 1% on IRA contributions and rollovers — or up to 3% with Robinhood Gold.
Often a good fit if you:
Value incentives for saving
Prefer a mobile-first investing experience
Want commission-free trading with fractional shares
Pros
Commission-free trades and fractional shares make investing low-cost and accessible
Mobile-first design that appeals to beginners
Offers a contribution match incentive, unique among many IRAs
Cons
Limited investment types (no mutual funds or bonds)
Research and analytic tools are limited compared with traditional brokers
Advanced features locked behind a paid subscription (Gold)
Available asset types
Stocks, Options, ETFs
Account types
IRA
Annual fee
$0 per month
Minimum deposit
$0
Signup bonus
Earn up to a 3% match with Robinhood Gold or 1% without
Public offers commission-free trading across stocks, ETFs and options, with added perks for options traders — including rebates and no per-contract fees. Investors can also earn a 1% IRA match on contributions, transfers and rollovers.
Often a good fit if you:
Trade options regularly
Want an IRA match without a robo-advisor
Prefer a clean, modern platform
Annual fee
$0 per month
Minimum deposit
$1
Public offers commission-free trading across stocks, ETFs and options, with added perks for options traders — including rebates and no per-contract fees. Investors can also earn a 1% IRA match on contributions, transfers and rollovers.
Often a good fit if you:
Trade options regularly
Want an IRA match without a robo-advisor
Prefer a clean, modern platform
Pros
Commission-free stocks, ETFs and equity options with no per-contract fees
Fractional share investing with low entry minimums
Offers a 1% IRA match on contributions and rollovers
Cons
Research tools are more limited than full-service brokers
No comprehensive robo-advisor for automated portfolio management
Interactive Brokers (IBKR) is designed for experienced investors who want advanced tools and broad market access. Its IRAs support trading in more than 150 global markets, with powerful platforms and competitive pricing.
Often a good fit if you:
Trade frequently or across multiple asset classes
Want access to international markets
Rely on advanced trading and analytics tools
Annual fee
$0 per year
Minimum deposit
$0
Signup bonus
N/A
Interactive Brokers (IBKR) is designed for experienced investors who want advanced tools and broad market access. Its IRAs support trading in more than 150 global markets, with powerful platforms and competitive pricing.
Often a good fit if you:
Trade frequently or across multiple asset classes
Want access to international markets
Rely on advanced trading and analytics tools
Pros
Very wide range of assets, including international markets
Competitive fee structure with free trades for many products
Powerful platforms with advanced analytics — great for active traders
Cons
Steep learning curve for beginners
Robo-advisor options are not as prominent as other brokers
Fee structures can be complex and confusing to navigate
tastytrade is purpose-built for derivatives trading. Its IRAs offer competitive pricing on options and futures, along with advanced profit-and-loss visualization tools and a strong educational ecosystem.
tastytrade is purpose-built for derivatives trading. Its IRAs offer competitive pricing on options and futures, along with advanced profit-and-loss visualization tools and a strong educational ecosystem.
Often a good fit if you:
Focus on options or futures trading
Want sophisticated risk analysis tools
Are comfortable with a more complex platform
Pros
Designed for active options and derivatives traders with strong tools
Low cost for stock, ETF and options trades
Extensive educational resources and live market programming
Vanguard remains a go-to option for long-term investors thanks to its low-cost index funds, ETFs and target-date retirement funds. It's best suited for investors focused on buy-and-hold strategies rather than frequent trading.
Often a good fit if you:
Prefer long-term, low-cost investing
Use index or target-date funds
Want optional robo- or human advisory support
Minimum deposit
$0
Retirement account types
Roth, Traditional, SEP, Spousal, Rollover
Annual fee
$25 per month
Vanguard remains a go-to option for long-term investors thanks to its low-cost index funds, ETFs and target-date retirement funds. It's best suited for investors focused on buy-and-hold strategies rather than frequent trading.
Often a good fit if you:
Prefer long-term, low-cost investing
Use index or target-date funds
Want optional robo- or human advisory support
Pros
Access to more than 160 no-transaction-fee mutual funds from Vanguard and other companies
Betterment is one of the most established robo-advisors in the industry. Its automated portfolios handle asset allocation, rebalancing and tax optimization, making it a strong choice for hands-off investors.
Often a good fit if you:
Want a fully automated IRA
Prefer not to pick individual investments
Value ongoing portfolio management
Minimum deposit
$10
Retirement account types
Roth, Traditional, SEP, Rollover
Annual fee
0.25% on balances up to $99,999
0.4% on balances of $100,000+
Betterment is one of the most established robo-advisors in the industry. Its automated portfolios handle asset allocation, rebalancing and tax optimization, making it a strong choice for hands-off investors.
Often a good fit if you:
Want a fully automated IRA
Prefer not to pick individual investments
Value ongoing portfolio management
Pros
Automated investing with rebalancing and tax-loss harvesting built in
Easy setup with low minimums
Goal-based portfolio customization for retirement planning
Cons
Advisory fees can be higher than simple DIY index investing
Premium human advisor tier requires a high minimum balance
Some investors find limited control over individual holdings
Available asset types
ETFs, High-yield cash account
Annual fee
0.25% on balances up to $99,999 0.4% on balances of $100,000+
Minimum deposit
$10
Signup bonus
N/A
Cash sweep APY
5.00%
Minimum deposit
$10
Retirement account types
Roth, Traditional, SEP, Rollover
Annual fee
0.25% on balances up to $99,999
0.4% on balances of $100,000+
E*TRADE offers one of the widest selections of IRA account types, including custodial IRAs for minors. It’s a practical choice for families and investors who want flexibility without annual fees.
Often a good fit if you:
Want to open an IRA for a minor
Prefer a traditional brokerage experience
Want a wide range of tradable assets
Minimum deposit
$0
Retirement account types
Roth, Traditional, Rollover, Beneficiary Traditional
Annual fee
$0 per year
E*TRADE offers one of the widest selections of IRA account types, including custodial IRAs for minors. It’s a practical choice for families and investors who want flexibility without annual fees.
Often a good fit if you:
Want to open an IRA for a minor
Prefer a traditional brokerage experience
Want a wide range of tradable assets
Pros
No commissions on stocks and ETFs and no annual IRA fees
Offers automated investing through Core Portfolios
Established platform with solid service options
Cons
Limited mutual fund selection with no-transaction-fee options relative to others
No fractional share trading for individual stocks in some cases
User reviews sometimes note interface or support issues
Charles Schwab excels in research and analysis. Its IRAs provide access to extensive third-party research, ratings, screeners and market data, appealing to self-directed investors.
Charles Schwab excels in research and analysis. Its IRAs provide access to extensive third-party research, ratings, screeners and market data, appealing to self-directed investors.
Often a good fit if you:
Rely heavily on research and analysis
Want broad investment options
Value 24/7 customer support
Pros
Commission-free trading and a broad selection of funds
Strong research tools and robust trading platforms
No minimum deposit and 24/7 customer support
Cons
Robo-advisor requires a $5,000 minimum balance
Some interfaces can feel complex for new investors
Fidelity consistently ranks among the strongest brokers overall, combining low fees, powerful tools and robust investor support. With no annual IRA fees and a wide range of investments, it’s a well-rounded option for many investors.
Often a good fit if you:
Want a no-fee IRA
Value strong research and education tools
Prefer flexibility between self-directed and managed investing
Minimum deposit
$0
Retirement account types
Roth, Traditional, SEP, Rollover, Custodial
Annual fee
$0 per year
Fidelity consistently ranks among the strongest brokers overall, combining low fees, powerful tools and robust investor support. With no annual IRA fees and a wide range of investments, it’s a well-rounded option for many investors.
Often a good fit if you:
Want a no-fee IRA
Value strong research and education tools
Prefer flexibility between self-directed and managed investing
Pros
$0 commissions on stocks and ETFs and a vast mutual fund lineup
Excellent research tools and 24/7 support
Highly rated overall broker with strong execution and reliability
Robo with no advisory fees under $25,000
Cons
Some advanced features may be overwhelming for beginners
Mobile and desktop interfaces can feel dated compared with newer apps
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.
Methodology: How we choose the best Roth IRAs
Finder’s investments experts analyzed 18 IRA providers using 147 data points across eight weighted categories. These include investment options, platform quality, costs, account features, customer support, mobile experience and amenities such as IRA contribution matches.
Providers that offer unique or standout features received additional recognition. Partner relationships do not influence scores.
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
2.5%
Features and amenities
20%
IRA match
2.5%
We review ratings and rankings regularly to reflect product changes and new offerings.
Receive approval, which may take a few days for verification.
Key factors when choosing a Roth IRA
Finder’s picks for the best 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:
Fees. Consider trading costs, account fees and other charges.
Tradable assets. Stocks, ETFs, bonds, mutual funds and options availability.
Account types. Traditional, Roth, SEP, rollover or custodial.
Research & tools. In-house research and analytics for active investors.
Mobile app. Check reviews for usability and functionality.
Signup bonus / IRA match. Can provide short-term value if other factors are equal.
Expert insight: Finding the IRA that works for you
"In theory, it makes sense to contribute more to a Roth IRA now if you think income tax rates will go up in the future, as you pay taxes now and not later. In reality, we can’t reliably predict what will happen with income tax rates in the future. But a Roth may still be better because you don’t pay taxes on investment earnings. We can’t say the same for traditional IRAs."
Investing through an IRA up to the $7,500 ($8,500 if you’re age 50 or older) limit in 2026 can help grow your retirement savings at a potentially quicker pace than if you were to invest that same $7,500 in a taxable brokerage account. That’s because IRA contributions and earnings grow tax-free or tax-deferred and you can enjoy tax-deductions or tax-free withdrawals in retirement, depending on which IRA type you go with — traditional IRA or Roth IRA. Plus, trade most assets in an IRA just as you would in an individual brokerage account.
But not all Americans who buy stocks do it through one of these accounts, Finder’s Consumer Confidence Index shows. 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.
Bottom line
Theress no single “best” IRA for everyone. The best IRA for you depends on how hands-on you want to be, what you plan to invest in and which features matter most — whether that’s low fees, automation, research tools or incentives for saving.
All of the IRA accounts on this page rank among the best overall based on our methodology. Use the guidance provided to narrow your options, then compare the details before opening an account.
Frequently asked questions
Banks, registered brokers and other financial institutions that are IRS-approved typically provide the safest place to put an IRA. If you hold an IRA at an FDIC-insured bank, any bank deposit products in your IRA, such as a certificate of deposit, is insured up to $250,000 in the event the bank goes under. Meanwhile, SIPC-registered brokers insure customers up to $500,000 in cash and securities per account.
The best way to fund an IRA is by cash, check or online transfer from your bank. If you have an IRA at another financial institution, you can also roll over your funds into a new IRA.
Sources
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.
Matt Miczulski is an investments editor and market analyst at Finder. With over 450 bylines, Matt dissects and reviews brokers and investing platforms to expose perks and pain points, explores investment products and concepts and covers market news, making investing more accessible and helping readers to make informed financial decisions.
Before joining Finder in 2021, Matt covered everything from finance news and banking to debt and travel for FinanceBuzz. His expertise and analysis on investing and other financial topics has been featured on Yahoo Finance, CBS, MSN, Best Company and Consolidated Credit, among others. Matt holds a BA in history from William Paterson University.
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Here’s how retirement savings accounts work and how to compare your options.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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