Robinhood Retirement IRA review

Robinhood is the pick for savers who will contribute every year and want something extra back. Without a subscription it adds a 1% match on annual contributions, IRA transfers and old 401(k) rollovers. With Robinhood Gold at $5 a month, the contribution match rises to 3%, which Robinhood says is worth $225 on a maxed-out 2026 contribution. At $60 a year for Gold, the 3% tier pays for itself only for savers who contribute more than about $3,000 in a year, and you must keep Gold for 1 year from your first Gold match. Matched money must stay in the account at least 5 years to avoid an Early IRA Match Removal Fee, and the match does not apply to managed IRAs from Robinhood Strategies. It scores lower on quality than the large brokers because the Roth IRA page focuses on the match rather than on fund choice, research or in-person support.

Who it is for

app-first savers who want a match on every contribution

Price

$0 to open with a 1% match; Robinhood Gold costs $5 a month and raises the match to 3%.

With Robinhood Gold ($5/month), earn a 3% contribution boost on annual IRA contributions
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 1% match on annual contributions, IRA transfers and old 401(k) rollovers without Gold
• 3% contribution boost with Robinhood Gold at $5 a month
• Gold boost worth up to $225 on a maxed 2026 contribution
• Matched funds must stay in the account 5 years to avoid an Early IRA Match Removal Fee
• Match does not apply to managed IRAs from Robinhood Strategies

Strengths and weaknesses

• Strength: The largest contribution match on this list at 3% with Gold
• Strength: 1% match with no subscription
• Strength: Match also applies to IRA transfers and 401(k) rollovers
• Weakness: The 3% match needs Gold for 1 year at $5 a month
• Weakness: Matched funds face a removal fee if withdrawn within 5 years
• Weakness: Managed Robinhood Strategies IRAs do not get the match

Key facts

• Match without Gold: 1%
• Match with Gold: 3%, up to $225 for 2026
• Gold price: $5/month
• Holding period: 5 years for matched funds

Where it ranks

Robinhood Retirement IRA is No. 6 in our Best Roth Ira Providers verdict.