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Save the tax-smart way with a Roth IRA

A Roth IRA lets you invest for retirement today and withdraw tax-free later. If you make less than $139,000 ($206,000 if you file jointly), it could be the right tax-advantaged account to help you invest your savings.

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The Roth IRA—A smart way to try Betterment

Starting with a Roth IRA can help you get to know Betterment and our approach to investing.

  • See our goal-based portfolio recommendations.

  • Explore personalized retirement advice on how to save.

  • Transfer an existing Roth IRA without a tax impact.

  • Personalized investments

    As a fiduciary, we build and recommend portfolios based on you and your goals. See portfolio options.

  • Trading managed for you

    We handle all the rebalancing and dividend reinvesting you'd do manually with an online broker, saving you valuable time. Experience our technology.

  • Socially responsible investing options

    We give you portfolio choices that allow you to express your views about the world. Explore Betterment SRI.

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Make your Roth IRA a first step toward a retirement plan.

Funding an IRA is a smart move no matter how much (or little) you think about retirement. Once you have an IRA, we'll help you create a full retirement plan by projecting your future income needs and showing you how you can save.

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Build your IRA savings without thinking about it.

The best way to save for the long term is to do it automatically. Set regular auto-deposits and our technology is designed to ensure you don't contribute beyond annual IRA limits.

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Sit back and relax because Roth IRAs are flexible.

Because you contribute to a Roth IRA on an after-tax basis, the federal government allows greater flexibility for making withdrawals before retirement.

  • There are no tax penalties for withdrawing your deposits.

    But you'll hit a 10% penalty on withdrawing any earnings before age 59½, so we still recommend keeping a separate emergency fund.

  • You can use up to $10,000 of earnings for a home down payment.

    After 5 years of having a Roth IRA, you can withdraw earnings penalty-free if you're a first-time homebuyer.

  • You can convert traditional IRAs and 401(k) plans into your Roth IRA.

    This can be a smart move for anyone who has accrued savings but would rather pay taxes now instead ofonce they're retired.

Top Questions About Roth IRAs