PREPARE
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.
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.
Choose between a Roth and a Traditional IRA with a well-diversified portfolio that contains low-cost ETFs from Vanguard, BlackRock or Goldman Sachs.
The expected long-term return of our investment portfolios for IRAs ranges between 4-7% per year.
$3 per month per $7,500 of account balance. Other custodial fees may apply.
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