Account type
Roth IRA: 2026 limits and how providers compare
Limits checked against the IRS and provider figures checked on
A Roth IRA is a retirement account you fund with money you’ve already paid tax on. If you meet the IRS requirements, qualified withdrawals are tax-free. This page is the short version, then a table so you can see what each provider charges before you open one.
Educational, not financial or tax advice
This page explains how Roth IRAs work in general. It isn’t a recommendation to open, move, or invest any account. Your tax situation is your own, so check the sources below and talk to a tax professional for decisions that matter. Fees and rules change, so confirm details with the provider.
Who a Roth IRA is for
You need earned income to contribute, and your income has to be under the IRS limits in the table below. You don’t get a tax deduction for putting money in. In exchange, the IRS says qualified distributions are tax-free, you can keep making contributions after age 70½, and you can leave the money in the account for as long as you live. (IRS: Roth IRAs)
People often weigh a Roth against a traditional IRA by guessing whether their tax rate will be higher now or in retirement. That’s a judgment call, not a rule, so it’s a good question for a tax professional.
2026 contribution limits
For 2026 the IRS limit is $7,500 across all of your traditional and Roth IRAs combined, or $8,600 if you’re 50 or older (a $1,100 catch-up). You can’t contribute more than your taxable compensation for the year if that’s less. (IRS: IRA contribution limits, IRS news release)
2026 income phase-outs for Roth contributions
Your Roth limit shrinks as your modified adjusted gross income (MAGI) rises through these ranges. Below the low end you can contribute the full amount; at or above the high end you can’t contribute directly. In between, use the IRS worksheet in Publication 590-A to work out your reduced limit.
| Filing status | Phase-out range (MAGI) |
|---|---|
| Single or head of household | $153,000 to $168,000 |
| Married filing jointly (or qualifying surviving spouse) | $242,000 to $252,000 |
| Married filing separately and lived with your spouse during the year | $0 to $10,000 |
Source: IRS news release IR-2025-111, IRS Notice 2025-67 and Publication 590-A. Income above the limit doesn’t close the door to Roth money entirely (for example, conversions), but that’s outside this page, so ask a tax professional.
Provider comparison
Eight providers, listed alphabetically. This is not a ranking and no provider pays to be here or to change what’s shown. Every figure comes from the provider’s own pages (linked in the last column), read on October 28, 2026. “Not verified” means we didn’t find the figure on an official page. It doesn’t mean it’s zero.
| Provider | Account fees | Minimum to open | Investment options | Worth knowing | Sources and links |
|---|---|---|---|---|---|
| Betterment | Digital plan: $5 a month if your household balance is under $24,000 and you don’t have $200+ a month in recurring deposits; otherwise 0.25% a year. Premium plan: 0.65% a year. Betterment says it adds no trading commissions or account maintenance fees. | No minimum balance required. | Automated, expert-built portfolios managed by Betterment. | Premium requires $100,000 or more in eligible Betterment investments. | |
| Fidelity | $0 account fees for retail IRAs. Fund expenses, commissions and other transaction costs can still apply. Fidelity Go (managed): $0 advisory fee under $25,000, 0.35% at $25,000 and above. | No minimum to open; invest with as little as $1. | Stocks, ETFs, mutual funds, bonds and more, including target date funds. A crypto IRA is offered through Fidelity Digital Assets. | — | |
| M1 | $3 a month IRA fee, waived in any 30-day billing cycle where total M1 assets reach $10,000 (or you have an active M1 personal loan). No commission, trading or management fees. | $500 to open; $10 or more per deposit after that. | U.S.-listed stocks and ETFs, with fractional shares and M1’s “Pie” investing. Margin isn’t available in IRAs. | You can hold one Roth IRA and one traditional IRA at M1. | |
| Robinhood | Not verified | Not verified | Thousands of stocks and ETFs, plus options for qualified traders. A managed IRA (Robinhood Strategies) charges 0.25% a year; Gold subscribers pay no management fee above $100,000. | IRA match of 1% (3% with a $5-a-month Gold subscription). Matched money must stay in the account 5 years or an early-removal fee may apply. | |
| Schwab | $0 opening and maintenance fees for Roth, traditional and rollover IRAs. $0 online commission on listed stocks and ETFs; options are $0.65 per contract. Other trade types have their own fees. | $0. | Stocks, bonds, ETFs, mutual funds, CDs and more. Managed portfolios are also offered. | — | |
| Vanguard | $25 annual account service fee, waived if you choose e-delivery (also waived at $1 million+ in qualifying assets and in some other cases). $0 online commission on stocks, ETFs and Vanguard mutual funds under $1 million. Fund expenses apply. | $0 to open a Vanguard Brokerage IRA. Individual funds can have their own minimums. | Vanguard mutual funds and ETFs, plus stocks and bonds. | The fee schedule says a $100 processing fee may apply to closing an account and transferring all assets to another firm (ACH and electronic bank transfers excluded). | |
| Wealthfront | 0.25% annual advisory fee, deducted monthly. Wealthfront says it charges no account-opening, withdrawal, account-closing, trading or transfer fees. | $500. | Managed portfolio of ETFs across 5 to 8 global asset classes. You can add or remove ETFs and change the mix. | — | |
| Webull | Webull says its IRAs have no account fees. $0 commission on U.S.-listed stocks, ETFs and options; regulatory and exchange fees may apply, and some index options carry a per-contract fee. | No account minimum. | Webull’s IRA page lists stocks, ETFs, options and bonds. Webull Advisors managed portfolios are also offered. | — |
A dash under “Worth knowing” means we didn’t note anything, not that nothing exists. Fund and ETF expense ratios, trading costs not listed here and promotions aren’t included. Managed (robo) services charge an advisory fee and self-directed accounts mostly don’t, so “cheapest” depends on whether you want to pick your own investments.
IRS sources
Checked on October 28, 2026. Limits are for tax year 2026 and change most years, so look at the IRS for the year you’re in.
- IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 — 2026 IRA limit, catch-up and Roth phase-out ranges
- IRS Notice 2025-67 — the technical guidance behind those figures
- IRS: Retirement topics, IRA contribution limits
- IRS: Roth IRAs
- IRS Publication 590-A, Contributions to Individual Retirement Arrangements
Keep exploring
See all account types, compare HSA providers, or read our guides. Found a wrong or outdated figure? Email hsacompare@mail.grokbot.com with a link to the page showing the right number.
General information, not financial, tax or legal advice. See our terms of use.