You can open a retirement account and start investing in your future with as little as $1.
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Tax Advantages
A retirement account is very similar to a regular investment account, but it can come with valuable tax benefits!
We offer two types of retirement accounts at Stash: Roth IRA and Traditional IRA. We can help you pick the account that’s best for you, then help make sure you maximize your tax savings.
| Account minimum | $0.01 | $0.01 |
| Tax benefits | You pay no tax on investment earnings | You can deduct contributions from taxable earned income |
| Contributions | Max. contribution of $6k per year ($7k if age 50+) | Max. contribution of $6k per year ($7k if age 50+) |
| Withdrawals | Withdrawals of the money you put in are penalty and tax free. Prior to age 59½, withdrawals from the interest and/or earnings are subject to income tax and a 10% penalty | Prior to age 59½ you’re generally subject to income tax and a 10% penalty. After age 59½ you’ll be subject to income tax but no penalty |
Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.
Start with $1
Thanks to compounding interest, putting aside even a few dollars at a time can make a big difference in the long run. That’s why our retirement accounts let you start investing in your future with as little as $1 at a time.
Auto-Stash
We get it—saving for retirement is hard. Our Set Schedule tool can help keep you on track without even thinking about it.
Just pick an amount of money and the frequency, and we’ll transfer it into your retirement account automatically.
Based on a 5% average growth rate per year
Cash invested
$34,548
Cash deposited
$15,600
This is a hypothetical illustration of mathematical principles, is not a prediction or projection of performance of an investment or investment strategy, and assumes weekly contributions at an annual rate of return (compounded weekly) and does not account for fees or taxes. It is for illustrative purposes only and is span not indicative of any actual investment. Actual return and principal value may be more or less than the original investment.
Get startedRetirement Toolkit
Not sure how much you should save for retirement? Answer a few questions and our retirement calculator will estimate what you’ll need in the future.
Learn more
Navigating retirement planning can be tricky. We offer helpful tips, how-to’s, guides, and articles on Stash Learn.
Learn more
Our Coach tool offers retirement-specific challenges and guidance designed to get you fit for the long haul.
Learn moreStash Pricing
Ready to take the next step? A retirement account is included in these Stash subscriptions.
If you'd like to open a standalone retirement account for $2 per month, please call us.
Account Types
Yes! You can have both a 401k and a Roth IRA or Traditional IRA at the same time. Both types of plans can offer the opportunity for tax-deferred savings.
Learn moreIf you want to know whether you’re on track for the future you want, try our retirement calculator! Answer a few questions about yourself, and we’ll estimate how much you need to save for retirement and how you can get there.
