5 best IRA match offers for 2026
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Key takeaways
- The 2026 IRA contribution limit is $7,500, or $8,600 at age 50 and older, and a broker's match doesn't count toward it.1
- When choosing an IRA match, compare three things: the match rate, what any subscription costs a year, and how long you must keep both the money and the subscription.
- The best IRA match offers for 2026 are Webull Premium at 3.5% ($222.50 net on $7,500) and Robinhood Gold at 3% ($175 net), because they pay the most after fees. Public's free 1% pays $75 with no subscription.
In this article
Key takeaways
- The 2026 IRA contribution limit is $7,500, or $8,600 at age 50 and older, and a broker's match doesn't count toward it.1
- When choosing an IRA match, compare three things: the match rate, what any subscription costs a year, and how long you must keep both the money and the subscription.
- The best IRA match offers for 2026 are Webull Premium at 3.5% ($222.50 net on $7,500) and Robinhood Gold at 3% ($175 net), because they pay the most after fees. Public's free 1% pays $75 with no subscription.
The best IRA match is Webull Premium's 3.5%, worth $222.50 on a full $7,500 contribution after its $40 yearly fee. Robinhood Gold comes second at $175, and a free 1% match pays $75. This guide ranks five brokers by what you keep after fees and sets out the holds that come with each match.
Best IRA match offers at a glance
The best IRA match offers at a glance, ranked by what a full $7,500 contribution earns after a year of any subscription.
| Broker | Match on contributions | Match on transfers | Yearly cost | Net on $7,500 |
|---|---|---|---|---|
| Webull | 3.5% with Premium | 1% with Premium, limited time | $40 | $222.50 |
| Robinhood | 3% with Gold, 1% without | 1%, no cap | $50 | $175 |
| Acorns | 3% with Gold, first year | None listed | $144 | $81 |
| Public | 1%, or 4% with Reserve | 1%, paid over 60 months | $0 | $75 |
| SoFi | 1% | 1% on check rollovers only | $0 | $75 |
Rates and prices from each broker's own page, October 26, 2026. Net is the match minus a year of the subscription.
The best IRA match offers reviewed
Each IRA match below gets the same five facts, so you can see the rate, the cost, and the strings in one place.
1. Best match after fees: Webull Premium
Ideal for
You max out a self-directed IRA every year and don't mind paying $40 for the higher rate.
Our take
Webull Premium matches 3.5% of your IRA contributions, which is $262.50 on $7,500 and $222.50 once you subtract the $40 fee.2 You must keep Premium a full year and the money five years. Without Premium, Webull pays 1%, and Webull calls both its standard match and the Premium transfer match limited-time offers.
Our Webull IRA review covers the rest of the account.
| Spec | Webull |
|---|---|
| Match on contributions | 3.5% with Premium, 1% without (limited time) |
| Match on transfers and rollovers | 1% with Premium, up to $2,500 (limited time) |
| Subscription | Premium, $40 a year |
| Net on a $7,500 contribution | $222.50 |
| Hold | Five years, plus Premium for a year |
2. Best for transfers and rollovers: Robinhood
Ideal for
You're moving an old IRA or 401(k) and want a match on the transfer as well as on new contributions.
Our take
Robinhood pays 3% on contributions with Gold and 1% without, plus 1% on every IRA transfer and 401(k) rollover with no cap.3 A $100,000 rollover earns $1,000, more than any contribution match here pays in a year. The 2% Gold transfer bonus ran January 8, 2026 to April 30, 2026 and is over.
Our Robinhood IRA review covers whether Gold is worth keeping past the first year.
| Spec | Robinhood |
|---|---|
| Match on contributions | 3% with Gold, 1% without |
| Match on transfers and rollovers | 1%, no cap |
| Subscription | Gold, $5 a month or $50 a year |
| Net on a $7,500 contribution | $175 with Gold, $75 without |
| Hold | Five years, plus Gold for a year |
3. Best for a first-year boost: Acorns
Ideal for
You already pay for Acorns Gold for its other features and want an IRA in the same app.
Our take
Acorns matches 3% of new contributions in your first year with Gold at $12 a month, so $81 net on $7,500. After that year the match stops. Silver's 1% match costs more than it pays at $8 a month.
| Spec | Acorns |
|---|---|
| Match on contributions | 3% with Gold, 1% with Silver, first year only |
| Match on transfers and rollovers | None listed |
| Subscription | Gold, $12 a month |
| Net on a $7,500 contribution | $81 in the first year |
| Hold | Not stated on the pricing page |
4. Best 1% match with no subscription: Public
Ideal for
You want a match without a subscription, on both new contributions and money you move in.
Our take
Public matches 1% of contributions up to the IRS limit and 1% of IRA transfers and rollovers, the transfer match paid monthly over 60 months. Public Reserve raises the contribution match to 4% for $20 a month.4 That's $300 on $7,500, minus $240 a year, so $60: less than the free $75 unless you'd use Reserve's cash rate and other matches anyway.
Our Public review covers the rest of the app.
| Spec | Public |
|---|---|
| Match on contributions | 1%, or 4% with Reserve |
| Match on transfers and rollovers | 1%, paid over 60 months |
| Subscription | None, or Reserve at $20 a month |
| Net on a $7,500 contribution | $75, or $60 with Reserve |
| Hold | Five years |
5. Best for a robo-advisor IRA: SoFi
Ideal for
You want a managed IRA that someone else invests, with a match on what you put in.
Our take
SoFi matches 1% of contributions to self-directed and robo IRAs, the only robo IRA match on this list, paid within 5 business days.5 The contribution has to arrive by ACH or instant transfer from SoFi Bank, and the rollover match covers only 401(k), 403(b), and 457(b) rollovers sent by check. An IRA moved over by ACAT transfer earns nothing.
Tweed's SoFi link opens a SoFi Invest account; the IRA match is SoFi's own offer and needs no link. Our SoFi IRA review covers the fees.
| Spec | SoFi |
|---|---|
| Match on contributions | 1%, self-directed and robo IRAs |
| Match on transfers and rollovers | 1% on 401(k), 403(b), and 457(b) rollovers by check only |
| Subscription | None |
| Net on a $7,500 contribution | $75 |
| Hold | Five years |
How does an IRA match work?
An IRA match works like a deposit bonus: the broker adds a percentage of what you contribute or move in, and books it as earnings in the IRA, not as your contribution. That's why it doesn't use up any of your $7,500 limit. Most brokers pay it within days of the deposit settling, while Public Reserve spreads its match over 12 months.
The catch is the hold. It usually runs five years, and only self-directed IRAs qualify at Robinhood and Webull. If you convert a traditional IRA to a Roth, the match converts with it and is taxed as income, so run the numbers in the Tweed Roth conversion calculator first.
Is a paid IRA match worth the subscription?
A paid IRA match is worth the subscription only when the extra match beats the fee, which depends on how much you contribute. Webull Premium and Robinhood Gold clear their fees at the full limit. Public Reserve doesn't, and Acorns Silver loses money.
| Match tier | Match rate | Yearly cost | Net under 50 ($7,500) | Net at 50+ ($8,600) |
|---|---|---|---|---|
| Webull Premium | 3.5% | $40 | $222.50 | $261.00 |
| Robinhood Gold | 3% | $50 | $175 | $208 |
| Acorns Gold, first year | 3% | $144 | $81 | $114 |
| Public Reserve | 4% | $240 | $60 | $104 |
| Public, SoFi, or Robinhood with no subscription | 1% | $0 | $75 | $86 |
| Acorns Silver, first year | 1% | $96 | -$21 | -$10 |
Contribute less and the fee eats more of the match. At Robinhood, Gold beats the free match once you contribute more than $2,501 a year.
What it costs to leave an IRA match early
Leaving an IRA match early costs you the match on whatever you take out, and moving the whole IRA usually costs all of it. Robinhood charges back the match on money removed within five years plus $100 for an outgoing transfer. SoFi takes the whole match on an ACAT transfer out.
The subscriptions have their own clock. Cancel Robinhood Gold, Webull Premium, or Public Reserve within a year and the broker takes back the extra over its standard 1%. Market losses alone don't trigger a fee at any of them; a withdrawal does.
Methodology for ranking the best IRA match offers
We ranked each broker by what its best IRA match pays on a full $7,500 contribution after a year of any subscription it needs, with the transfer match breaking ties. Every rate, price, and hold was read on the broker's own page on October 26, 2026. Tweed is paid when you open some of these accounts through its links, and that doesn't change the order: Webull, which pays Tweed nothing, ranks first.
If you're still choosing where to open the IRA, compare fees and funds in the best IRA accounts and the best Roth IRA accounts, and see the best 401(k) rollover options for an old plan. Above the income limit, the backdoor Roth is the way in.
To compare an IRA transfer match with the cash bonuses other brokers pay, run the Tweed brokerage account bonus calculator. The best brokerage bonuses list ranks those cash offers.
Free calculator
See what you'd keep from each transfer bonus
Frequently asked questions about IRA matches
Does Schwab or Fidelity offer an IRA match?
No, neither Schwab nor Fidelity listed an IRA match when Tweed last read their IRA and pricing pages in October 2026, so every match here comes from an app-based broker. Schwab's referral offer pays cash on new money instead, a one-time bonus with its own terms. A low-cost IRA at either firm can still beat a 1% match over decades.
Can you get an IRA match on a backdoor Roth?
Yes, a nondeductible traditional IRA contribution earns the match like any other, but the match is counted as earnings. So when you convert to a Roth, the match is taxable income in the conversion. You keep most of it, though a small tax bill comes with it, and the 5-year hold still applies to the matched money.
Is an IRA match the same as a 401(k) match?
No, an IRA match is a broker's promotion, not an employer benefit. A 401(k) match is usually a share of your pay that your employer adds, often several percent of salary. An IRA match is 1% to 4% of what you contribute, capped by the IRA limit, and the broker can take it back if you leave within five years.
Sources
- https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500
- https://www.webull.com/help/faq/11063-Benefits-with-Premium
- https://robinhood.com/us/en/support/articles/ira-match-faq/
- https://public.com/reserve
- https://www.sofi.com/iramatchterms/
Match rates and subscription prices are as each broker published them on October 26, 2026, and can change without notice. Tweed describes these offers and doesn't recommend one for your situation.
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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