Compare accounts

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 Nov 3, 2026

I earn commissions from some links.

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 Nov 3, 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. Every line links to the official page it came from, with the date we checked it.

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	Automatic investing
Acorns	“Roth IRA”As of Oct 29, 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 29, 2026. Source: acorns.com/pricing	Acorns' Form ADV wrap fee brochure says there is no minimum account size, and most clients can begin investing with as little as $5.Clients using real-time Round-Ups through Acorns' banking partners may begin investing with less than $5.As of Oct 29, 2026. Source: sqy7rm.media.zestyio.com/Acorns-Wrap-Fee-Program-Brochure--August-2026-.pdf	Acorns says it puts investing on autopilot, and Round-Ups invest your spare change every time you make a purchase.As of Oct 29, 2026. Source: acorns.com/pricing
Ally Invest	“Roth IRA”As listed for Ally Invest Robo Portfolios (Ally Invest Advisors).As of Nov 3, 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 Nov 3, 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 Nov 3, 2026. Source: ally.com/invest/robo-automated-investing	Ally says it reviews Robo Portfolios daily and rebalances them automatically, with fee-free rebalancing.As of Nov 3, 2026. Source: ally.com/invest/robo-automated-investing
Betterment	“Roth IRA”As of Nov 3, 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 Nov 3, 2026. Source: betterment.com/pricing	Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.As of Nov 3, 2026. Source: betterment.com/pricing	Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you.As of Nov 3, 2026. Source: betterment.com
Charles Schwab	“IRA (Traditional, Roth, or Rollover)”As of Nov 3, 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 Nov 3, 2026. Source: schwab.com/pricing	Schwab lists a $0 account minimum and $0 opening and maintenance fees for brokerage accounts and IRAs. Schwab Intelligent Portfolios has a $5,000 minimum.As of Nov 3, 2026. Source: schwab.com/pricing	Schwab says its robo-advisor builds, monitors and automatically rebalances a diversified portfolio.As of Nov 3, 2026. Source: schwab.com/intelligent-portfolios
E*TRADE	“Roth IRA”As of Nov 3, 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 Nov 3, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates	E*TRADE says its brokerage account has no account minimums or maintenance fees, and that other fees may apply.As of Nov 3, 2026. Source: us.etrade.com/what-we-offer/our-accounts/brokerage-account	E*TRADE says Core Portfolios are rebalanced as necessary using advanced technology.As of Nov 3, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates
Fidelity Investments	“Roth IRA”As of Nov 3, 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 Nov 3, 2026. Source: fidelity.com/why-fidelity/pricing-fees	Fidelity lists no account fees and no minimums to open a retail brokerage account, including IRAs. Fidelity Go, its robo advisor, lists no account minimum.As of Nov 3, 2026. Source: fidelity.com/why-fidelity/pricing-fees	Fidelity says you can use recurring investments to automatically add fractional shares.As of Nov 3, 2026. Source: fidelity.com/trading/fractional-shares
M1	“Roth IRA”As of Nov 3, 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 Nov 3, 2026. Source: m1.com	M1 lists a $100 minimum initial deposit for Individual, Joint, Custodial and Crypto accounts, $500 for Traditional, Roth and SEP IRAs, and $5,000 for Trust accounts. After the first deposit, additional deposits can be $10 or more.As of Nov 3, 2026. Source: help.m1.com/en/articles/9332048-your-first-deposit-at-m1	M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing.As of Nov 3, 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 Nov 3, 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 Nov 3, 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 Nov 3, 2026. Source: public.com/generated-assets/dividends-2f14c2d8	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 Nov 3, 2026. Source: public.com/invest/stocks
Robinhood	“Roth IRA”As listed for Robinhood Strategies managed accounts.As of Nov 3, 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 Nov 3, 2026. Source: robinhood.com/us/en/strategies	Robinhood Strategies has a minimum investment requirement of $50.As of Nov 3, 2026. Source: robinhood.com/us/en/strategies	Robinhood lists Recurring Investment: add to your investments on a consistent basis, even when you forget to.As of Nov 3, 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 Nov 3, 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 Nov 3, 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 Nov 3, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf	SoFi's fractional shares page says scheduled orders are aggregated and executed in the morning trade window of the next business day.As of Nov 3, 2026. Source: sofi.com/invest/fractional-shares
Stash	“Roth IRA”As of Nov 3, 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 Nov 3, 2026. Source: stash.com/pricing	Stash's pricing page says: No minimums. No hidden fees.As of Nov 3, 2026. Source: stash.com/pricing	Stash lists recurring investments: tell it how much and how often to auto-invest, and it does the rest. Stock Round-Ups automatically invest your spare change.As of Nov 3, 2026. Source: stash.com/invest
Vanguard	“Roth IRAs”As of Nov 3, 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.Vanguard says enrollments in Vanguard Digital Advisor require at least $100 in each Vanguard Brokerage Account.As of Nov 3, 2026. Source: investor.vanguard.com/advice/robo-advisor	Vanguard says there's no fee or minimum investment amount to open an account.As of Nov 3, 2026. Source: investor.vanguard.com/accounts-plans/brokerage-accounts	Vanguard says its robo-advisor uses an algorithm to automatically build and rebalance a portfolio.As of Nov 3, 2026. Source: investor.vanguard.com/advice/robo-advisor
Wealthfront	“Retirement Accounts (Traditional IRA, Roth IRA, SEP)”As of Nov 3, 2026. wealthfront.com	Wealthfront's advisory fee for The Wealthfront Portfolio is 0.25% annually.As of Nov 3, 2026. Source: wealthfront.com/pricing	Wealthfront says The Wealthfront Portfolio account lets you start investing for as little as $500.As of Nov 3, 2026. Source: wealthfront.com/investing	Wealthfront lists automatic trades and automatic rebalancing for The Wealthfront Portfolio.As of Nov 3, 2026. Source: wealthfront.com/pricing
Webull	“Roth IRA”As of Nov 3, 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.Webull says the initial minimum investment and minimum balance required to open and maintain a Webull Advisors account is $100.As of Nov 3, 2026. Source: webull.com/trading-investing/webull-advisors	Webull says it offers 0 commission trades and no deposit minimums.As of Nov 3, 2026. Source: webull.com/pricing	Webull offers automated recurring investments in stocks and ETFs.As of Nov 3, 2026. Source: webull.com/trading-investing/recurring-investment

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

Compare these apps

Alternatives to each app

Side by side

Looking for another account? Apps With Custodial Accounts for Kids or Apps With a SEP IRA or Solo 401(k) for the Self-Employed. How we decide an app offers an account type.

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 Nov 3, 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 Nov 3, 2026 on each company's own pages.)

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.