8 best Roth IRA accounts for 2026
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Key takeaways
- Robinhood's 3% Roth IRA match with Gold pays $225 on a $7,500 contribution, or $175 after Gold's $50 annual plan, and you'll keep it only if the money stays 5 years and Gold stays a year.1
- When choosing a Roth IRA, compare four things: what you'll pay each year, any match after its subscription, the cost to transfer out, and whether you'll pick investments or want them managed.
- The best Roth IRA accounts for 2026 are Fidelity, Charles Schwab, and Robinhood, because Fidelity and Schwab charge no account or advisory fee on a self-directed Roth IRA, and Robinhood pays the largest match of the eight after its subscription.2
In this article
- Best Roth IRA accounts at a glance
- Best Roth IRA accounts for picking your own investments
- Best automated Roth IRA accounts
- Methodology for choosing the best Roth IRA providers
- Which Roth IRA accounts pay a match?
- Roth IRA fees compared: What each provider charges
- How to find the best Roth IRA for you in 4 steps
- Frequently asked questions about Roth IRA accounts
Key takeaways
- Robinhood's 3% Roth IRA match with Gold pays $225 on a $7,500 contribution, or $175 after Gold's $50 annual plan, and you'll keep it only if the money stays 5 years and Gold stays a year.1
- When choosing a Roth IRA, compare four things: what you'll pay each year, any match after its subscription, the cost to transfer out, and whether you'll pick investments or want them managed.
- The best Roth IRA accounts for 2026 are Fidelity, Charles Schwab, and Robinhood, because Fidelity and Schwab charge no account or advisory fee on a self-directed Roth IRA, and Robinhood pays the largest match of the eight after its subscription.2
The best Roth IRA for most savers in 2026 is Fidelity, which has no account fee, no minimum, and charges $0 to transfer out. Charles Schwab matches it on cost, Robinhood pays a 3% match with Gold, and Wealthfront, SoFi, and Betterment manage the account for you.
This guide compares eight Roth IRA providers on fees, minimums, matches, and the cost to leave, in two groups: accounts where you pick your own investments and accounts managed for you. For how the account works, see Roth IRA; for whether a Roth fits your taxes, see Roth vs traditional IRA; for a traditional IRA, seebest IRA accounts.
Top three picks. Fees read October 2026.
Best overall
Fidelity
No account fee or minimum, and $0 to transfer out
App Store 4.8 out of 5 from 3.3M ratings, read October 7, 2026
Best for research and in-person help
Charles Schwab
No account fee or minimum, research tools, and branches
App Store 4.8 out of 5 from 1.2M ratings, read October 6, 2026
Best for an IRA match
Robinhood
1% IRA match, or 3% with Gold at $5 a month
App Store 4.3 out of 5 from 4.9M ratings, read October 6, 2026
Best Roth IRA accounts at a glance
The best Roth IRA accounts at a glance, with each provider's minimum, yearly cost, match, and fee to transfer out.
Charles Schwab, Robinhood, SoFi Invest, and Wealthfront are Tweed referral partners. Fidelity, Vanguard, E*TRADE, and Betterment are not.
| Provider | Best for | Account minimum | Ongoing cost | IRA match | Full transfer out |
|---|---|---|---|---|---|
| Fidelity | Best overall | $0 | $0; Fidelity Go $0 under $25,000, then 0.35% | None | $0 |
| Charles Schwab | Research and in-person help | $0; $5,000 for Intelligent Portfolios | $0; Intelligent Portfolios has no advisory fee | None | $50 |
| Robinhood | An IRA match | $0 | $0, or Gold at $5 a month or $50 a year | 1%, or 3% with Gold; 1% on transfers | $100 |
| E*TRADE | A retirement account bonus | $0 | $0; Core Portfolios 0.30% from $500 | None; bonus up to $10,000 to October 31, 2026 | $75 |
| Vanguard | Low-cost index investing | $0 to open; fund minimums vary | $25 a year unless you choose e-delivery | None | $100 |
| Wealthfront | Hands-off investing | $500 | 0.25% a year | None | $0 |
| SoFi Automated Investing | A match on a managed IRA | $50 ($0 self-directed) | 0.25% a year ($0 self-directed) | 1% on contributions and rollovers | $100 |
| Betterment | Automatic monthly deposits | No minimum balance | $5 a month, or 0.25% at $24,000 or with $200 a month in deposits | None | $75 |
Fees, minimums, and matches from each provider's own site, read October 13, 2026. Fund expense ratios are charged separately. Subject to change.
Best Roth IRA accounts for picking your own investments
These five Roth IRA accounts let you choose your own stocks, ETFs, and funds. Each one gets the same six facts as the table above, so you can compare them line by line.
Best overall: Fidelity
App Store 4.8 out of 5 from 3.3M ratings, read October 7, 2026
Ideal for
Consider Fidelity if you want the widest fund choice at no account cost and may move the account later, especially as a first-time opener.
Our take
Fidelity charges no account fees and has no minimum to open a retail IRA, and it charges $0 to transfer out or close the account.3 That makes it the cheapest pick here to leave if you change your mind.
Fidelity Go manages the money for you at no advisory fee under $25,000, then 0.35% on the whole balance. OurFidelity IRA review covers its funds and Fidelity Go in full, andVanguard vs Fidelity prices it against Vanguard for a Roth.
| Category | Best overall |
| Account minimum | $0 |
| Ongoing cost | $0; Fidelity Go $0 under $25,000, then 0.35% |
| IRA match | None |
| Full transfer out | $0 |
Pros
- No account fee or minimum
- $0 to transfer out or close
- Fidelity Go free under $25,000
Cons
- No IRA match
- Fidelity Go charges 0.35% on the whole account from $25,000
- No sign-up bonus on a Roth IRA
Best for research and in-person help: Charles Schwab
App Store 4.8 out of 5 from 1.2M ratings, read October 6, 2026
Ideal for
Consider Schwab if you'll manage your own picks and want research tools, 24/7 support, and a branch to walk into.
Our take
Schwab charges $0 to open or maintain a Roth IRA, $0 online stock and ETF commissions, and $0.65 per options contract. Schwab Intelligent Portfolios manages a Roth IRA with no advisory fee from $5,000, and Schwab says it has more than 400 branches.
A full transfer out costs $50, and funds outside Schwab's OneSource list cost up to $74.95 per purchase. Our Schwab IRA review covers its fees and robo in full, andWebull vs Schwab weighs it against a broker that pays a contribution match.
| Category | Best for research and in-person help |
| Account minimum | $0; $5,000 for Intelligent Portfolios |
| Ongoing cost | $0; Intelligent Portfolios has no advisory fee |
| IRA match | None |
| Full transfer out | $50 |
Pros
- No account fee or minimum
- Intelligent Portfolios with no advisory fee from $5,000
- 24/7 support and more than 400 branches, by Schwab's count
Cons
- No IRA match
- $50 to transfer the whole account out
- Funds outside OneSource cost up to $74.95 per purchase
Best for an IRA match: Robinhood
App Store 4.3 out of 5 from 4.9M ratings, read October 6, 2026
Ideal for
Consider Robinhood if you'll contribute the full limit each year to a self-directed Roth IRA and keep the money there at least 5 years.
Our take
Robinhood matches 3% of annual contributions with Gold and 1% without, on self-directed IRAs only; Robinhood Strategies managed IRAs get no contribution match. At the $7,500 limit that's $225 with Gold, or $258 at $8,600 for savers 50 or older. Transfers and 401(k) rollovers earn 1% with no cap.
Matched money must stay 5 years or Robinhood may charge a fee equal to the match. Gold must be kept 1 year after the first Gold match or a cancellation fee may apply. Our Robinhood IRA review covers both rules in full.
| Category | Best for an IRA match |
| Account minimum | $0 |
| Ongoing cost | $0, or Gold at $5 a month or $50 a year |
| IRA match | 1%, or 3% with Gold; 1% on transfers |
| Full transfer out | $100 |
Pros
- Largest net match of the eight
- 1% on transfers and rollovers with no cap
- No account minimum
Cons
- 5-year hold on matched money
- Gold must be kept 1 year after the first Gold match
- $100 to transfer out
Best for a retirement account bonus: E*TRADE
Ideal for
Consider E*TRADE if you're moving $1,000 or more of new money into a Roth IRA before October 31, 2026, and trade options.
Our take
E*TRADE retirement accounts are free to open with no maintenance fees, and online US stock, ETF, mutual fund, and options trades cost $0 in commission, plus $0.65 per options contract ($0.50 at 30 or more trades a quarter).4 Core Portfolios, its managed option, charges 0.30% a year from $500, and a full transfer out costs $75.
Its bonus pays up to $10,000 for a new retirement account opened by October 31, 2026 and funded within 60 days with at least $1,000 in new money. The money generally must stay 12 months after the 60-day funding window, and the E*TRADE review on Tweed isn't published yet.
| Category | Best for a retirement account bonus |
| Account minimum | $0 |
| Ongoing cost | $0; Core Portfolios 0.30% from $500 |
| IRA match | None; bonus up to $10,000 to October 31, 2026 |
| Full transfer out | $75 |
Pros
- No maintenance fee or minimum
- $0 commissions, mutual funds included
- A bonus on new retirement money
Cons
- Bonus ends October 31, 2026
- Bonus money must generally stay 12 months
- No IRA match
Best for low-cost index investing: Vanguard
App Store 4.6 out of 5 from 177K ratings, read October 7, 2026
Ideal for
Consider Vanguard if your whole plan is a few broad Vanguard index funds you'll hold for decades.
Our take
Vanguard has no minimum to open a brokerage account, though some funds set their own minimum. It charges a $25 annual account service fee unless you choose e-delivery of statements, and $100 to close an account or transfer it all to another firm.
Our Vanguard review covers its fees, fund minimums, and Digital Advisor, andVanguard vs Robinhood weighs those funds against Robinhood's IRA match.
| Category | Best for low-cost index investing |
| Account minimum | $0 to open; fund minimums vary |
| Ongoing cost | $25 a year unless you choose e-delivery |
| IRA match | None |
| Full transfer out | $100 |
Pros
- Vanguard funds and ETFs in one place
- No minimum to open
- $25 fee waived with e-delivery
Cons
- $100 to close or transfer out
- Some funds carry their own minimum
- No IRA match
Best automated Roth IRA accounts
These three automated Roth IRA accounts, or robo-advisors, pick and rebalance your investments for an annual fee. For fees at more balances, see ourbest robo-advisors roundup.
Best for hands-off investors: Wealthfront
App Store 4.8 out of 5 from 17K ratings, read October 7, 2026
Ideal for
Consider Wealthfront if you want one 0.25% fee at every balance and nothing to manage.
Our take
Wealthfront Automated Investing charges 0.25% a year, needs $500 to open, and charges no account transfer fee. Its tax-loss harvesting applies only to taxable accounts, so it does nothing inside a Roth IRA.
Our Wealthfront review covers its fees, Cash account, and IRAs, andWealthfront vs Robinhood sets a robo against a match.
| Category | Best for hands-off investors |
| Account minimum | $500 |
| Ongoing cost | 0.25% a year |
| IRA match | None |
| Full transfer out | $0 |
Pros
- One 0.25% fee at every balance
- $0 to transfer out
- Automatic rebalancing
Cons
- $500 to open
- No IRA match
- Tax-loss harvesting doesn't apply to a Roth IRA
Best for a match on a managed IRA: SoFi Automated Investing
App Store 4.7 out of 5 from 385K ratings, read October 6, 2026
Ideal for
Consider SoFi if you want a managed Roth IRA and a match on what you put in, and you'll fund it from a bank account by ACH or from SoFi Bank.
Our take
SoFi charges no cost to open an IRA and pays a 1% match on contributions and rollovers. Only ACH deposits and cash transfers from SoFi Bank earn the match on contributions. The automated IRA charges 0.25% a year from $50, and the self-directed IRA has no advisory fee.
Matched money must stay 5 years, and an outgoing transfer costs $100. OurSoFi IRA review covers the match terms in full.
| Category | Best for a match on a managed IRA |
| Account minimum | $50 ($0 self-directed) |
| Ongoing cost | 0.25% a year ($0 self-directed) |
| IRA match | 1% on contributions and rollovers |
| Full transfer out | $100 |
Pros
- 1% match on contributions and rollovers
- $50 to start
- Self-directed and automated IRAs in one app
Cons
- Only ACH and SoFi Bank deposits earn the contribution match
- 5-year hold on matched money
- $100 to transfer out
Best for automatic monthly deposits: Betterment
Ideal for
Consider Betterment if you'll set up $200 or more a month in automatic deposits, or already have $24,000 or more to invest.
Our take
Betterment charges $5 a month, or 0.25% a year once your household balance reaches $24,000 or you set up $200 a month in recurring deposits, with no minimum balance. It offers traditional, Roth, and SEP IRAs and charges $75 to transfer an investing account to another company.
Betterment vs Wealthfront compares the two robos on fees, and a full Betterment review on Tweed isn't published yet.
| Category | Best for automatic monthly deposits |
| Account minimum | No minimum balance |
| Ongoing cost | $5 a month, or 0.25% at $24,000 or with $200 a month in deposits |
| IRA match | None |
| Full transfer out | $75 |
Pros
- No minimum balance
- 0.25% from the first dollar with $200 a month in deposits
- Traditional, Roth, and SEP IRAs
Cons
- $5 a month is 1.2% of a $5,000 balance without recurring deposits
- No IRA match
- $75 to transfer out
Methodology for choosing the best Roth IRA providers
- The eight picks are the providers named most often across six ranking roundups read on October 13, 2026, plus Vanguard, which Tweed reviews. Also screened: Merrill Edge, Ally Invest, Public, Webull, and Interactive Brokers.
- Every fee, minimum, and match was read from the provider's own pricing, product, or support page on October 13, 2026. No accounts were opened.
- Four things decided the picks: the yearly cost, any match after its subscription, the cost to transfer out, and whether the account is self-directed or managed.
- Affiliate relationships, disclosed again at the point of recommendation: Schwab, Robinhood, SoFi Invest, and Wealthfront, and none with Fidelity or Vanguard.
Which Roth IRA accounts pay a match?
Robinhood and SoFi pay a match on Roth IRA contributions among the eight picks, and Public and Webull pay one too. The table nets each match against the subscription it needs.
| Match on a $7,500 contribution | Match rate | Match | Yearly subscription | Net after subscription |
|---|---|---|---|---|
| Robinhood with Gold | 3% | $225 | $50 | $175 |
| Robinhood without Gold | 1% | $75 | $0 | $75 |
| SoFi | 1% | $75 | $0 | $75 |
| Public Core | 1% | $75 | $0 | $75 |
| Public Reserve | 4% | $300 | $240 | $60 |
| Webull with Premium | 3.5% | $262.50 | $40 | $222.50 |
Every match here asks you to keep matched money in the account for 5 years, and leaving costs $100 at Robinhood and SoFi. Fidelity pays no match and charges $0 to leave.Robinhood vs Fidelity runs that over 5 years, and ourWebull IRA review covers Webull's Premium terms, which also require keeping Premium a year.
Public Reserve's 4% nets the least of the paid tiers on a $7,500 contribution, because the $240 subscription takes most of the $300. Webull vs Fidelity runs the same math for Webull's 3.5%.
Roth IRA fees compared: What each provider charges
A Roth IRA at these eight providers costs $0 to $25 a year in account fees, $0 to 0.35% a year in advisory fees on a managed account, and $0 to $100 to transfer out.
| Provider | Account fee | Advisory fee | Full transfer out |
|---|---|---|---|
| Fidelity | $0 | $0; Fidelity Go 0.35% from $25,000 | $0 |
| Charles Schwab | $0 | $0; Intelligent Portfolios $0 | $50 |
| Robinhood | $0; Gold optional at $50 a year | $0 | $100 |
| E*TRADE | $0 | $0; Core Portfolios 0.30% | $75 |
| Vanguard | $25 a year, waived with e-delivery | $0 | $100 |
| Wealthfront | $0 | 0.25% | $0 |
| SoFi Automated Investing | $0 | 0.25% | $100 |
| Betterment | $0 | $5 a month or 0.25% | $75 |
Two of these fees change at a balance: Fidelity Go at $25,000 and Betterment at $24,000. Every fund's expense ratio is charged on top, at every provider.
How to find the best Roth IRA for you in 4 steps
To find the best Roth IRA for you, work through 4 steps: how you'll invest, whether you can contribute directly, what you'll pay, and whether a match is worth its hold.
Step 1: Decide whether you'll pick your own investments or want them managed
How you'll invest puts you in one of the two pick groups above. Schwab and Fidelity also run managed accounts, so a self-directed account there can turn into a managed one later.
Step 2: Confirm you can contribute directly this year
You can contribute directly to a Roth IRA in 2026 if your MAGI is under $153,000 as a single filer or $242,000 filing jointly, with the amount phasing out up to $168,000 and $252,000.5 Above the range, a backdoor Roth is the usual route. Our guide to theRoth IRA covers the full rules.
Step 3: Compare what you'll pay each year and to leave
The fee table above shows what you'll pay each year and to leave each provider. Watch the fees that change at a balance: Fidelity Go starts charging 0.35% at $25,000, and Betterment drops from $5 a month to 0.25% at $24,000.
Step 4: Weigh any match against its 5-year hold
The match table above shows each match after its subscription. If you might move the account within 5 years, a match can cost you the match plus a $100 transfer fee.
Before you open an account, run your plan through the Tweed Retirement Calculator to see what $7,500 a year could grow to by your retirement date. If your income is above the limit and you're converting instead, theTweed Roth Conversion Calculator estimates the tax on the conversion.
If a partner pick fits, you can open a Charles Schwab Roth IRA, open a Robinhood Roth IRA, open a SoFi Invest Roth IRA or open a Wealthfront account.
Frequently asked questions about Roth IRA accounts
Can you have more than one Roth IRA?
Yes, you can have more than one Roth IRA, because the IRS doesn't limit how many you open. Every contribution across all of them counts toward one limit, $7,500 in 2026 or $8,600 at 50 or older. A match like Robinhood's is paid only on the dollars you put into that provider's account.
Should I open a Roth IRA at a bank or a brokerage?
You should open a Roth IRA at a brokerage if you want to hold stocks, ETFs, or index funds, because a Roth IRA at a bank typically holds CDs or a savings deposit. A bank Roth IRA can suit money you won't invest. Every provider on this page is a brokerage or a robo-advisor.
Is $200 a month enough for a Roth IRA?
Yes, $200 a month is enough for a Roth IRA, and it adds up to $2,400 a year toward the 2026 limit of $7,500. The self-directed picks on this page have no minimum, so you can start with $200 a month and raise the amount as your income grows.
Sources
- https://robinhood.com/us/en/support/articles/ira-match-faq/ and https://robinhood.com/support/articles/gold-overview/
- https://www.schwab.com/pricing
- https://fidelity.com/retirement-ira/roth-ira-b, https://wealthfront.com/pricing, https://sofi.com/invest/retirement-accounts, https://www.sofi.com/iramatchterms/, https://www.betterment.com/help/fees, https://public.com/reserve and https://www.webull.com/help/faq/11063-Benefits-with-Premium
- https://us.etrade.com/what-we-offer/our-accounts/retirement, https://us.etrade.com/what-we-offer/pricing-and-rates and https://investor.vanguard.com/client-benefits/account-fees
- https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500
Fees, minimums, and matches were read from each provider's own site in October 2026, and providers change them. Tweed describes and compares these accounts; it is not a financial advisor and doesn't know which one fits your situation.
Tweed provides educational estimates, not financial advice. Confirm your specific situation with a qualified financial professional.
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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