Wealthfront IRA review

Wealthfront is the managed Roth IRA for savers who earn too much to contribute to a Roth directly. Its IRA page says you can convert to a backdoor Roth IRA in a few taps if you earn more than the income threshold. The Wealthfront Portfolio charges a flat 0.25% advisory fee a year, which the pricing page puts at $3.18 a month on a $15,000 balance, and the software makes trades, rebalances and reinvests excess cash automatically. Unlike a target date fund, you can add or remove funds and change allocation weights. It ranks last here only because every option above it is cheaper for a typical small Roth IRA: Fidelity Go charges $0 under $25K, and the self-directed brokers charge no account fee at all.

Who it is for

high earners who need a backdoor Roth and want automation

Price

0.25% annual advisory fee; $3.18 a month on a $15,000 balance.

Our advisory fee for The Wealthfront Portfolio is simple — just 0.25% annually.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 0.25% annual advisory fee for The Wealthfront Portfolio
• Automatic trades, rebalancing and reinvestment
• Customize allocations with hundreds of funds
• Backdoor Roth IRA conversion in a few taps
• Roth, traditional and SEP IRAs

Strengths and weaknesses

• Strength: Backdoor Roth conversion built into the app for savers over the income limit
• Strength: Customizable automated portfolio
• Strength: Flat 0.25% fee with no monthly minimum charge
• Weakness: 0.25% a year applies from the first dollar
• Weakness: Advisory fee is on top of fund expenses
• Weakness: No fee-free tier, unlike Fidelity Go under $25K

Key facts

• Advisory fee: 0.25% a year
• Example cost: $3.18 a month on $15,000
• Backdoor Roth: Supported in the app
• IRA types: Roth, traditional, SEP

Where it ranks

Wealthfront IRA is No. 9 in our Best Roth Ira Providers verdict.