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.

With Stash Retire, 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?

Stash Growth and Stash+ both include investing for retirement. You’re only a few taps away from opening an account—sign up for Stash, pick your plan, and start investing for retirement in minutes.

Stash Retire 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.

Stash Retire is part of your subscription—making it easy to take advantage of all the benefits.

Choose the plan that’s right for you.

Invest, bank, and insure with each. Switch or cancel anytime.

Stash Growth

$3/month
Advice15
  • checkmarkFor growing personal finances
Investing access16
  • checkmarkPersonal Portfolio11
  • checkmarkSmart Portfolio10
  • 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:

Advice15
  • checkmarkFor family finances
  • checkmarkStash+ Market Insights
Investing access16
  • checkmark2 Kids Portfolios (custodial accounts)5
Banking access1
  • checkmark2x stock with the Stock-Back® Card1
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.

Frequently asked questions

How much do you need to open an IRA?toggle answer

Access to your IRA account is included with your Stash subscription—plans start at $3 a month. Start investing with any amount—as of 2022 maximum contributions to both account types are capped at $6k per year ($7k if you’re age 50 or older).

Can you open a Stash IRA for a child?toggle answer

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?toggle answer

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?toggle answer

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.

Make an investment in your future.

Open an IRA

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