Grow your money tax-free with a Roth IRA

A Betterment Roth IRA is a great way to save for retirement beyond the 401(k). 

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Man with laptop showing Roth IRA dashboard

Why save with a Betterment IRA?

We make saving for retirement easy and optimized for your needs—from choosing the right IRA to low fees to multiple investment options.

  • We put your best interest first.

    As a fiduciary, we're obligated to put your best interest ahead of our own. Which is just the way we like it. What a fiduciary means.

  • 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.

  • Choose from multiple investing portfolios.

    Pick from multiple expert-built portfolios, from Socially Responsible Investing to Innovative Technology. See portfolio options.

A smart move no matter how much (or little) you think about retirement.

A Roth IRA allows your money to grow tax-free. We can create a plan to help you take advantage of this benefit by projecting your future income needs and showing you how you can save.

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The easiest way to save for the long term is to automate it.

Set recurring deposits and our technology is designed to ensure you don't contribute beyond annual IRA limits.


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.

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  • 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 of once they're retired. You'll owe taxes in the year you make the conversion, so we recommend consulting a qualified tax advisor.

Save the tax-smart way with a Roth IRA.

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Top questions about Roth IRAs