Make saving for retirement easy with an IRA

Our IRAs have the technology, tools, and long-term tax benefits to help you feel confident about your retirement.

Special tax benefits.

IRAs offer tax breaks to let your money grow and compound faster than it would in a taxable account.

Automated technology.

We make investing easy by putting it on autopilot, handling all the trading, rebalancing, and dividend reinvesting.

Retirement tools.

We build you a personalized plan, calculate how much to save, and adjust as life changes.

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Pick from our tax-advantaged IRAs to meet your financial situation.

Each type of IRA has distinct tax benefits. We can help you choose the right one for you.
  • A tree with a taxed later label

    Traditional IRA

    Get your tax break up front and pay no taxes until you withdraw.
  • A tree with a taxed now label

    Roth IRA

    Money goes in already taxed so growth and withdrawals are tax-free.

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  • A storefront


    A traditional IRA for self-employed people and small-business owners.
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Have an old 401(k) or IRA? We can help roll them over easily.

Moving your retirement accounts into a Betterment IRA allows you to manage your money in one place and can save you on high fees. If you’re looking to roll over at least $20k, you can talk with an advisor about it for free.

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A hand pushing a coin to roll over to a small plant.
Betterment’s Licensed Concierge Team offers support for individuals transferring assets to Betterment of $20,000 or more, and receives incentive compensation based on assets brought to or invested with Betterment. Betterment’s revenue varies for different offerings (e.g., Betterment Digital and Premium, Cash Reserve) and consequently Team members have an incentive to recommend the offering which results in the greatest revenue for Betterment. The marketing and solicitation activities of these individuals are supervised by Betterment to ensure that these individuals act in the client’s best interest.

Lower fees today can mean more money tomorrow.

A 401(k) with even a modest fee may cost you tens of thousands of dollars over time. The savings from rolling into a managed Betterment IRA of low-cost exchange-traded funds (ETFs) can add up to a more comfortable retirement.

Assumed 0.25% management fee with hypothetical 6% annual return. Image to illustrate the potential impact of fees on performance and does not reflect the performance of Betterment.
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Get personalized advice 
on your retirement.

We offer hands-on guidance from our team of experts to help bring clarity and confidence to your retirement.

0.65% annual fee. Minimum balance required.

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Headshots of Corbin Blackwell, CFP®, Bryan Stiger, CFP®, Nick Holeman, CFP®, EA, M.S.B.A., Kyle McBrien, CFP®, and Sara Kalsman, CFP®.

IRAs come with questions. We’re here with answers.

Boost your retirement with an IRA.

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