Get a 2% uncapped bonus on a 401(k) rollover*

After that, IRA contributions earn a 3% match.¹⁴

Get started

Hand holding a phone showing a Stash retirement portfolio, with 2% match on the rollover amount and 3% match on any future contributions. 32px transparent rounded corners. Unpublished draft for /retire/rollover.

When you move your old 401(k), Stash will reward you with a 2% bonus match to all rolled over funds.*

When you contribute to your IRA after that, you earn a 3% match.¹⁴

Here’s how it works:

Light mode people illustration — retire rollover How it works card 1

Tell us where your old 401(k) is.

Not sure where it is? We can help you find it through our partnership with Capitalize.

Light mode arrowStack illustration — retire rollover How it works card 2

We coordinate the transfer.

Don’t worry, we’ll help you with the rollover forms, too.

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Your money lands in your Stash IRA.

Our expertly managed IRA portfolios and Money Coach guidance can support your retirement plans.

Stash does not recommend whether or not you should roll over retirement assets. If you choose to start a rollover, you may connect with our partner Capitalize to help you complete the process. Capitalize will collect data and information on you and may share it to Stash. Shared data may include but not be limited to the amount, source, account type, and status updates of your rollover. For more information on how Stash and Capitalize protect your data, please see Stash’s Privacy Policy and Capitalize’s Privacy Policy.

Rollovers start in the Stash app or the Stash website

Rollovers are available in the Stash mobile app and the Stash website. Download Stash to get started and follow your transfer from your phone.

Traditional or Roth 401(k)? We’ll help you pick the right IRAs for your rollover.

Traditional and Roth IRAs are taxed differently. We offer both and help you figure out which one fits your situation.⁴

STASHERS HAVE INVESTED OVER

$850 million for retirement^*

Join them

^*Based on total ...

Financial advice for a fraction of the price

Get the digital financial advisor that helps you invest with confidence. No minimums. No hidden fees. No nonsense.

The Stash Plan

12

/month

or $108 billed annually (save 25%)

24/7 financial guidance
Personalized investment plan
3% retirement match (worth up to $225/year)¹⁴
$10,000 life insurance policy‡
Stock-Back® rewards¹ (worth up to $120/year)

Get startedTry for 7 days

Frequently asked questions

Yes. Eligible customers can roll over an old 401(k) from a former employer into a Stash IRA. Start a rollover, and our partner Capitalize handles much of the process with your previous retirement provider, including paperwork and follow-up.

Stash does not recommend whether or not you should roll over retirement assets. That decision is yours. People weighing it often compare fees, available services, investment options, tax consequences, creditor protections, withdrawal rights, and distribution rules across their options, which include leaving assets in the old plan, moving them to a new employer's plan, rolling them into an IRA, or taking a distribution. A tax professional can help you think through your own situation.

No. The rollover itself is not a contribution that earns the match. Eligible Stash+ customers can earn a 3% match on ongoing IRA contributions they make after money is in a Stash IRA — not on the amount rolled over. Match is given only on net contributions completed within a given month, on eligible contributions, up to your annual limit. This is not a reason to roll over. Stash does not recommend whether or not you should roll over retirement assets.

Stop letting an old 401(k) collect dust

Start your rollover

* Terms and conditions apply to the 2% rollover match. The offer applies to eligible cash rollovers, requires a 90-day holding period, and cannot be combined with the 3% IRA contribution match. See full terms at https://www.stash.com/disclosures/stash-rollover-promo

Get a 2% uncapped bonus on a 401(k) rollover*

When you move your old 401(k), Stash will reward you with a 2% bonus match to all rolled over funds.*

When you contribute to your IRA after that, you earn a 3% match.¹⁴

Here’s how it works:

Tell us where your old 401(k) is.

We coordinate the transfer.

Your money lands in your Stash IRA.

Rollovers start in the Stash app or the Stash website

Traditional or Roth 401(k)? We’ll help you pick the right IRAs for your rollover.

STASHERS HAVE INVESTED OVER

$850 million for retirement^*

Financial advice for a fraction of the price

The Stash Plan

12

Frequently asked questions

Can I roll an old 401(k) into a Stash IRA?

Should I roll over my 401(k) to Stash?

Can I roll over a 401(k) from my current employer?

Does Stash accept IRA transfers from another firm?

Does a rollover count toward my IRA contribution limit?

Does a rollover earn the 3% IRA match?

Can I roll over only part of an old 401(k)?

Can I start more than one rollover?

Stop letting an old 401(k) collect dust

Get a 2% uncapped bonus on a 401(k) rollover*

When you move your old 401(k), Stash will reward you with a 2% bonus match to all rolled over funds.*

When you contribute to your IRA after that, you earn a 3% match.14

Here’s how it works:

Tell us where your old 401(k) is.

We coordinate the transfer.

Your money lands in your Stash IRA.

Rollovers start in the Stash app or the Stash website

Traditional or Roth 401(k)? We’ll help you pick the right IRAs for your rollover.

STASHERS HAVE INVESTED OVER

$850 million for retirement*

Financial advice for a fraction of the price

The Stash Plan

12

Frequently asked questions

Can I roll an old 401(k) into a Stash IRA?

Should I roll over my 401(k) to Stash?

Can I roll over a 401(k) from my current employer?

Does Stash accept IRA transfers from another firm?

Does a rollover count toward my IRA contribution limit?

Does a rollover earn the 3% IRA match?

Can I roll over only part of an old 401(k)?

Can I start more than one rollover?

Stop letting an old 401(k) collect dust

When you contribute to your IRA after that, you earn a 3% match.¹⁴

$850 million for retirement^*