Retirement

Included in: growth, stash+,

Plan your retirement,
$5 at a time.

You can open a retirement account and start investing in your future with as little as $5.

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Tax Advantages

Save for retirement. Lower your tax bill.

A retirement account is very similar to a regular investment account, but it can come with valuable tax benefits!

We offer two types of retirement accounts at Stash: Roth IRA and Traditional IRA. We can help you pick the account that’s best for you, then help make sure you maximize your tax savings.

Roth IRA

Traditional IRA

Roth IRA

Account minimum

$5

Tax benefits

You pay no tax on investment earnings

Contributions

Max. contribution of $5.5k per year ($6.5k if age 50+)

Withdrawals

Withdrawals of the money you put in are penalty and tax free.

Prior to age 59½, withdrawals from the interest and/or earnings are subject to income tax and a 10% penalty

Traditional IRA

Account minimum

$5

Tax benefits

You can deduct contributions
from taxable income

Contributions

Max. contribution of $5.5k per year ($6.5k if age 50+)

Withdrawals

Prior to age 59½ you’re generally subject to income tax and a 10% penalty.

After age 59½ you’ll be subject to income tax but no penalty

Roth IRA

Traditional IRA

Account minimum

$5

$5

Tax benefits

You pay no tax on
investment earnings
You can deduct contributions
from taxable income

Contributions

Max. contribution of $6k per
year ($7k if age 50+)
Max. contribution of $6k per
year ($7k if age 50+)

Withdrawals

Withdrawals of the money you put in are penalty and tax free.

Prior to age 59½, withdrawals from the interest and/or earnings are subject to income tax and a 10% penalty

Prior to age 59½ you’re generally subject to income tax and a 10% penalty.

After age 59½ you’ll be subject to income tax but no penalty

Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor.

Start with $5

Anyone can afford
retirement saving.

Thanks to compounding interest, putting aside even a few dollars at a time can make a big difference in the long run. That’s why our retirement accounts let you start investing in your future with as little as $5 at a time.

Auto-Stash

Stay on track, effortlessly.

We get it—saving is hard. Our Set Schedule tool can help keep you on track without even thinking about it.

Just pick an amount of money and the frequency, and we’ll transfer it into your retirement account automatically.

See the power of Set Schedule.

Based on a 5% average growth rate per year

$10 / week

Cash invested

$34,548

Cash deposited

$15,600

Cash invested$34,548Cash deposited$15,60030 yrs

This is a hypothetical illustration of mathematical principles, is not a prediction or projection of performance of an investment or investment strategy, and assumes weekly contributions at an annual rate of return (compounded annually) and does not account for fees or taxes. It is for illustrative purposes only and is span not indicative of any actual investment. Actual return and principal value may be more or less than the original investment.

Get started

Retirement Toolkit

These tools can help you get retirement-ready.

Try our retirement calculator.

Not sure how much you should save for retirement? Answer a few questions and our retirement calculator will estimate what you’ll need in the future.

Learn more

Stash Learn

Navigating retirement planning can be tricky. We offer helpful tips, how-to’s, guides, and articles on Stash Learn.

Learn more

Stash Coach

Our Coach tool offers retirement-specific challenges and guidance designed to get you fit for the long haul.

Learn more

Stash Pricing

Choose the right plan
for you.

Ready to take the next step? A retirement account is included in these Stash financial plans.

growth

$3/ month*

Build the foundation of a healthy financial life.

Learn more

 stash+

$9/ month*

Maximize the power of every dollar.

Learn more
Get started

If you'd like to open a standalone retirement account for $2 per month, please call us.

Account Types

Get to know our
account types.

Personal Investment

Simple and flexible investing.

Included in:
beginner, growth, stash+,

Learn more

Retirement

Save for your future, get tax benefits.

Included in:
growth, stash+,

Learn more

Custodial

Invest on a child’s behalf.

Included in:
stash+,

Learn more

Banking

Banking with no hidden fees.1

Included in:
beginner, growth, stash+,

Learn more

FAQ

Can I have a 401k and an IRA?

Yes! You can have both a 401k and a Roth or Traditional IRA at the same time. Both types of plans can offer the opportunity for tax-deferred savings.

Learn more

How much money do I need to retire?

If you want to know whether you’re on track for the future you want, try our retirement calculator! Answer a few questions about yourself, and we’ll estimate how much you need to save for retirement and how you can get there.