Take control of
your tomorrow
with an IRA.

Kick-start your financial future.
Start with $5.

Open an IRA

To begin investing on Stash, you must be approved from an account
verification perspective and open a brokerage account.

Mobile phone app for managing an individual retirement account.Mobile phone app for managing an individual retirement account.

Choose your
retirement account.

Set aside money for retirement—and save
on taxes—with a traditional or Roth IRA.
Here’s how it works.

Traditional IRA

Roth IRA

  • This account type is funded with after-tax dollars, so investments grow tax-free. Once you turn 59½ and have the account for five years, there are no withdrawal limitations.
  • Heads up—early withdrawal of earnings might trigger a 10% penalty and tax consequences. There are some income eligibility requirements, but we’ll walk you through it all.
Open an IRA

Why save for retirement with Stash?

set-schedule

It's automatic.

Stay on track with your future—use auto-invest to add money to your IRA.

advice

Get the advice you need.

We’ve got answers on how to build long-term wealth. And as a Registered Investment Advisor, it’s our duty to act in your best interest—always.

no-fees

Zero commission fees.

Unlike other companies, Stash doesn’t charge any add-on trading commissions.

Stash mobile retirement account app showing different investment options for investors.

How do I open an
IRA with Stash?

You’re only a few taps away—sign up for Stash, pick your plan, open your IRA account, and start investing for retirement in minutes.

Stash makes
future planning easy.
Here's how:

IRAs are tax advantaged—that means more for you, less for Uncle Sam.

Stash IRAs are for everyone—from expert investors to beginners.

Automatic investment tools help you build wealth on the regular.

You automatically have access to your IRA account with Stash—making it easy to take advantage of all the benefits.

Choose the plan that’s right for you.

Invest, bank and insure with ease. Switch or cancel anytime.§

Stash Growth

$3/month
Advice11
  • checkmarkFor growing personal finances
Investing access12
  • checkmarkPersonal Portfolio8
  • checkmarkSmart Portfolio7
  • checkmarkRetirement Portfolio4
Banking access1
  • checkmarkStock-Back® Card1
  • checkmarkGet paid up to 2 days early3
Insurance access
  • checkmark$1k life insurance offered by Avibra
Get started

Stash+

$9/month

Everything in Stash Growth.
Plus, you’ll also get:

Advice11
  • checkmarkFor family finances
  • checkmarkStash+ Market Insights
Investing access12
  • checkmark2 Kids Portfolios (custodial accounts)5
Banking access1
  • checkmark1% Stock-Back® up to $10001
Insurance access
  • checkmark$10k life insurance offered by Avibra
Get started

Each plan includes Financial Counseling services which is impersonal investment advice, as it relates to guides, reports, and education material about investing and financial planning. Each plan includes the option to open a brokerage account and a bank account. The subscription fee is due if a client is receiving Financial Counseling Services regardless of whether or not a client chooses to open and/or use a brokerage account. In order to obtain personalized investment advice, clients are required to complete the suitability questionnaire during registration, must be approved from an account verification perspective and open a brokerage account. Click here for more details.

Get the latest
from Stash.

Sign up to receive investing and money management tips for building wealth. Plus, learn how to start building wealth with Stash’s investing tools.

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Frequently asked questions

What retirement account types does Stash offer?

A Roth or Traditional IRA is included in every Stash subscription.4

Traditional vs. Roth IRAs
A Roth IRA is funded with post-tax dollars—so after age 59 ½, withdrawals of the money you put in (contributions) are penalty and tax free. Prior to age 59 ½, withdrawals from the interest and/or earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. A Traditional IRA is funded with pre-tax dollars, which can lower your annual tax burden now. However, withdrawals made after age 59 ½ are subject to income tax (but no penalty fee). Withdrawals made prior to age 59 ½ are generally subject to income tax and a 10% penalty.

Should I pick a Roth or Traditional IRA?
The type of retirement account you should pick can depend on factors like your current income, your current retirement savings plan, and your projected income in the future. We’ve put together a guide that can help you decide which account type is right for you.

Compare Roth vs. Traditional IRAs→

For additional information on IRAs and contribution limits, you can visit the official IRS website.

Can you open a Stash IRA for a child?

Stash does not currently support IRAs for anyone under the age of 18. If you’re interested in investing on behalf of a child, consider a Stash custodial account—it’s an easy way to pass on generational wealth.

Why is saving for retirement important?

Savvy investors know that saving for retirement can be a great way to build wealth, now and in the future. There are many reasons to start saving for retirement as soon as possible.

Build your future.
Your retirement can look a lot different than your parents’ retirement. If you plan to stop working at some point in the future, consider these factors.

  • People are living longer
  • Only 10% of us will have pensions
  • We’ll probably receive less in Social Security funds than previous generations
  • Future healthcare is a big (and potentially very expensive) unknown

Compounding.
Your savings in an IRA can benefit from compounding, which is a powerful way for your money to grow over time. When you invest and earn interest, that interest is added to your principal amount—then, you can start earning interest on the interest. To take full advantage of compounding, consider saving for retirement as early as possible.

Potential tax benefits.
Both Traditional and Roth IRAs can come with potential tax benefits. Traditional IRAs are funded with pre-tax dollars, which can lower your annual tax bill now.* On the other hand, a Roth IRA is funded with post-tax dollars—so your investment earnings can grow tax-free.**

*Withdrawing prior to age 59½, generally means you’re subject to income tax and a 10% penalty. Withdrawals after age 59½ are only subject to income tax but no penalty. Restrictions may apply depending on your income or filing status.

**Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.

What is Stash?

Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.