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Individual Retirement Account
The easy way to open and manage a Roth or Traditional IRA. Enjoy the benefits of automatic deposits that can be paused as needed. Plus, you'll have access to Finhabits' habit-building Journeys, news & tips, and bank alerts.

Start your IRA today with as little as $20 a week.
Who is it for?
Ideal for independent workers and people without access to a 401(k). An IRA is a good idea whether you're in your 20s or 50s.
Type of account?
Choose between a Roth and a Traditional IRA with a well-diversified portfolio that contains low-cost ETFs from Vanguard, BlackRock or Goldman Sachs.
Expected return?
The expected long-term return of our investment portfolios for IRAs ranges between 4-7% per year.
How much does it cost?
$3 per month per $7,500 of account balance. Other custodial fees may apply.
What are the contribution limits?
According to the IRA annual contribution limits established by the IRS, in Tax Year 2023 you can contribute up to $6,500 if you're under age 50 / $7,500 if you're age 50 or older.
All investments involve risk and may result in loss. Not FDIC insured. No bank guarantee.

Finhabits does not provide tax advice. Please consult a tax professional.

The annual expected returns of 4% to 7% described above are calculated using a backtest of actual asset-weighted returns of the ETFs included in each portfolio. The backtest is from January 1 2008 to May 31 2016. The expected returns are net of the $3 per month Finhabits management fee and uses an account with a balance of $7,500.
4-7%
Expected long-term annual gain
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