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Apps Where You Can Open a Roth IRA

For anyone choosing where to open a Roth IRA. We list an app only when its own page names the account, and every row shows that page and the date we checked it.

Updated Oct 24, 2026

Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.

Short answer

14 apps we track say on their own pages that you can open a Roth IRA: Acorns, Ally Invest, Betterment, Charles Schwab, E*TRADE, Fidelity, M1, Public, Robinhood, SoFi Invest, Stash, Vanguard, Wealthfront and Webull. Each one is listed below with the account name its source uses and the date we checked it (newest check Oct 24, 2026). The app table lists the same apps with their prices and ratings.

14 apps, A to Z

The order is alphabetical, not a ranking. “Not verified yet” means we don't have a current official source for that line.

Swipe the table sideways to see every column.

Apps that offer a Roth IRA, with the account name each source uses, fees, minimums, fractional shares and automatic investing, each with the date it was checked.
App	What its page says	Fee or subscription	Account minimum	Fractional shares	Automatic investing
Acorns	“Roth IRA”As of Oct 24, 2026. acorns.com/later	Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing	Not verified yet.	Not verified yet.	Acorns says it puts investing on autopilot, and Round-Ups invest your spare change every time you make a purchase.As of Oct 24, 2026. Source: acorns.com/pricing
Ally Invest	“Roth IRA”As listed for Ally Invest Robo Portfolios (Ally Invest Advisors).As of Oct 24, 2026. ally.com/invest/robo-automated-investing	Ally Invest Robo Portfolios: the Cash-Enhanced Portfolio has a 0% advisory fee (it keeps 30% as a cash buffer), and the Market-Focused Portfolio has a 0.30% annual advisory fee.As of Oct 24, 2026. Source: ally.com/invest/commissions-and-fees	Ally says there's no minimum deposit to open a Self-Directed brokerage cash account. Margin accounts require $2,000, and Robo Portfolios require a $100 initial minimum deposit.As of Oct 24, 2026. Source: ally.com/invest/robo-automated-investing	Not verified yet.	Ally says it reviews Robo Portfolios daily and rebalances them automatically, with fee-free rebalancing.As of Oct 24, 2026. Source: ally.com/invest/robo-automated-investing
Betterment	“Roth IRA”As of Oct 24, 2026. betterment.com/pricing	Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested.As of Oct 24, 2026. Source: betterment.com/pricing	Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.As of Oct 24, 2026. Source: betterment.com/pricing	Not verified yet.	Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you.As of Oct 24, 2026. Source: betterment.com
Charles Schwab	“IRA (Traditional, Roth, or Rollover)”As of Oct 24, 2026. schwab.com/pricing	Schwab Intelligent Portfolios, Schwab's robo-advisor, lists no advisory fee and no commissions. You still pay the operating expenses of the ETFs in the portfolio.As of Oct 24, 2026. Source: schwab.com/pricing	Schwab lists a $0 account minimum for brokerage accounts and IRAs. Schwab Intelligent Portfolios has a $5,000 minimum.As of Oct 24, 2026. Source: schwab.com/pricing	Schwab says you can own fractional shares of most U.S.-listed stocks and ETFs for as little as $1.As of Oct 24, 2026. Source: schwab.com/fractional-shares-stock-slices	Schwab says its robo-advisor builds, monitors and automatically rebalances a diversified portfolio.As of Oct 24, 2026. Source: schwab.com/intelligent-portfolios
E*TRADE	“Roth IRA”As of Oct 24, 2026. us.etrade.com/what-we-offer/our-accounts	E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates	E*TRADE says Core Portfolios are managed for a 0.30% annual advisory fee and a $500 minimum.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/our-accounts	Not verified yet.	E*TRADE says Core Portfolios are rebalanced as necessary using advanced technology.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates
Fidelity Investments	“Roth IRA”As of Oct 24, 2026. fidelity.com/open-account/overview	Fidelity Go, Fidelity's robo advisor, lists a gross advisory fee of $0 for balances under $25,000 and 0.35% a year for $25,000 and above.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees	Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs.As of Oct 24, 2026. Source: fidelity.com/why-fidelity/pricing-fees	Fidelity says you can own fractions of US stocks and ETFs, starting at $1.As of Oct 24, 2026. Source: fidelity.com/trading/fractional-shares	Fidelity says you can use recurring investments to automatically add fractional shares.As of Oct 24, 2026. Source: fidelity.com/trading/fractional-shares
M1	“Roth IRA”As of Oct 24, 2026. m1.com	M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform.As of Oct 24, 2026. Source: m1.com	Not verified yet.	M1 says fractional shares let you build your portfolio to your exact percentages, from 6,000+ U.S.-listed stocks and ETFs.As of Oct 24, 2026. Source: m1.com	M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing.As of Oct 24, 2026. Source: m1.com/invest/automated-investing
Public	“Traditional & Roth IRAs”The home page lists these retirement accounts alongside Public's brokerage account.As of Oct 24, 2026. public.com	Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example).As of Oct 24, 2026. Source: public.com/generated-assets/dividends-2f14c2d8	Public says the minimum investment for Generated Assets like its Dividends portfolio is $1,000.As of Oct 24, 2026. Source: public.com/generated-assets/dividends-2f14c2d8	Public says it supports fractional shares, so you can invest in any stock with any dollar amount.As of Oct 24, 2026. Source: public.com/invest/stocks	Public says you can schedule recurring buys in any stock, ETF or crypto, for any amount, weekly, biweekly, monthly or on a custom cadence.As of Oct 24, 2026. Source: public.com/invest/stocks
Robinhood	“Roth IRA”As listed for Robinhood Strategies managed accounts.As of Oct 24, 2026. robinhood.com/us/en/strategies	Robinhood Strategies has a 0.25% annual management fee. Eligible Robinhood Gold members ($5 monthly subscription) pay it on only the first $100,000 of assets in their account.As of Oct 24, 2026. Source: robinhood.com/us/en/strategies	Robinhood Strategies has a minimum investment requirement of $50.As of Oct 24, 2026. Source: robinhood.com/us/en/strategies	Robinhood says you can invest in certain stocks and ETFs with as little as $1 through fractional shares.As of Oct 24, 2026. Source: robinhood.com/us/en/support/articles/fractional-shares	Robinhood lists Recurring Investment: add to your investments on a consistent basis, even when you forget to.As of Oct 24, 2026. Source: robinhood.com/us/en/invest
SoFi Invest	“Roth IRA”The fee schedule says both Self-Directed and Robo-Advisor include Roth, Traditional and SEP IRAs.As of Oct 24, 2026. sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf	SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf	SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee.As of Oct 24, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf	SoFi has a fractional shares page (Invest in Partial Shares) and says there are limitations with fractional shares to consider before investing.As of Oct 24, 2026. Source: sofi.com/invest/fractional-shares	SoFi's fractional shares page says scheduled orders are aggregated and executed in the morning trade window of the next business day.As of Oct 24, 2026. Source: sofi.com/invest/fractional-shares
Stash	“Roth IRA”As of Oct 24, 2026. stash.com/retire	The Stash Plan costs $12 a month, or $108 billed annually. Stash also charges a 0.25% annual advisory fee on Smart Portfolios with balances of $1,000 or more and on Managed Retirement Accounts.As of Oct 24, 2026. Source: stash.com/pricing	Stash's pricing page says: No minimums. No hidden fees.As of Oct 24, 2026. Source: stash.com/pricing	Stash says you can invest in fractional shares with $5 or less, from thousands of stocks and ETFs.As of Oct 24, 2026. Source: stash.com/pricing	Not verified yet.
Vanguard	“Roth IRAs”As of Oct 24, 2026. investor.vanguard.com/accounts-plans	Vanguard Digital Advisor charges an annual gross advisory fee of 0.20% for index portfolio options or 0.25% for an active portfolio option. That fee is reduced by a credit for revenue Vanguard keeps from the investments in your account.As of Oct 24, 2026. Source: investor.vanguard.com/advice/robo-advisor	Vanguard says there's no fee or minimum investment amount to open an account.As of Oct 24, 2026. Source: investor.vanguard.com/accounts-plans/brokerage-accounts	Vanguard says dollar-based trading lets you buy a Vanguard ETF for as little as $1, regardless of the ETF's share price.As of Oct 24, 2026. Source: investor.vanguard.com/investor-resources-education/article/what-is-dollar-based-investing	Vanguard says its robo-advisor uses an algorithm to automatically build and rebalance a portfolio.As of Oct 24, 2026. Source: investor.vanguard.com/advice/robo-advisor
Wealthfront	“Retirement Accounts (Traditional IRA, Roth IRA, SEP)”As of Oct 24, 2026. wealthfront.com	Wealthfront's advisory fee for The Wealthfront Portfolio is 0.25% annually.As of Oct 24, 2026. Source: wealthfront.com/pricing	Wealthfront says The Wealthfront Portfolio account lets you start investing for as little as $500.As of Oct 24, 2026. Source: wealthfront.com/investing	Wealthfront says all of the stocks on its app are available as fractional shares, and you can start investing with as little as $1.As of Oct 24, 2026. Source: wealthfront.com/brokerage	Wealthfront lists automatic trades and automatic rebalancing for The Wealthfront Portfolio.As of Oct 24, 2026. Source: wealthfront.com/pricing
Webull	“Roth IRA”As of Oct 24, 2026. webull.com/trading-investing/ira	Webull Advisors lists an annualized advisory fee of 0.20% on diversified strategies, with fees from 0.15% to 0.30% depending on the portfolio.As of Oct 24, 2026. Source: webull.com/trading-investing/webull-advisors	Webull says it offers 0 commission trades and no deposit minimums.As of Oct 24, 2026. Source: webull.com/pricing	Webull says fractional shares let you invest in high-priced stocks with as little as $1.As of Oct 24, 2026. Source: webull.com/help/faq/10959-Trading-Fractional-Shares	Webull offers automated recurring investments in stocks and ETFs.As of Oct 24, 2026. Source: webull.com/trading-investing/recurring-investment

See these apps in the full app table with their prices, platforms and app store ratings.

Not verified yet

These investing apps may offer it, but the official pages we checked don't name it, so we don't list them above. This isn't a no.

Bloom. The Bloom page we checked doesn't name this account, so we haven't verified it either way.

FAQ

Which apps let you open a Roth IRA?

Acorns, Ally Invest, Betterment, Charles Schwab, E*TRADE, Fidelity, M1, Public, Robinhood, SoFi Invest, Stash, Vanguard, Wealthfront and Webull list it on their own pages. (Checked Oct 24, 2026 on each company's own pages.)

Which of these apps also offer a Traditional IRA?

Acorns, Ally Invest, Betterment, Charles Schwab, E*TRADE, Fidelity, M1, Public, Robinhood, SoFi Invest, Stash, Vanguard, Wealthfront and Webull also list a Traditional IRA on their own pages. (Checked Oct 24, 2026 on each company's own pages.)

Why isn't every investing app listed?

We list an app only when its own page names the account. The Bloom page we checked doesn't name this account, so we haven't verified it either way.

Can you deduct Roth IRA contributions?

No. The IRS says you cannot deduct contributions to a Roth IRA, and if you satisfy the requirements, qualified distributions are tax-free. (Source: IRS.gov, page last reviewed or updated Aug 9, 2026, checked Oct 24, 2026.)

Does each Roth IRA get its own contribution limit?

No. The IRS says the same combined contribution limit applies to all of your Roth and traditional IRAs, and your Roth IRA contribution might be limited based on your filing status and income. (Source: IRS.gov, page last reviewed or updated Aug 9, 2026, checked Oct 24, 2026.)

This is education, not financial advice.