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Your retirement grows 
tax-free with a Roth IRA

With a Roth IRA at Betterment, you get the technology, tools, and tax breaks to help you save for retirement while saving on taxes.

Special tax benefits.

With a Roth IRA you contribute after-tax dollars, which means you don’t pay taxes on any growth or withdrawals in retirement.

Automated technology.

We make investing easy by putting it on autopilot, handling all the trading, rebalancing, and dividend reinvesting.

Retirement tools.

We build you a personalized plan, calculate how much to save, and adjust as life changes.

Get started
A person sitting on a chair, looking at a phone, with big plants behind showing retirement dreams reflected in the leaves.

Sit back and relax because Roth IRAs are flexible.

You can use a Roth to save for retirement, plus it gives you flexibility if needed.

  • No penalties for withdrawing contributions early.

    If you need money in a pinch, you can withdraw your contributions at any time, tax- and penalty-free.

  • Use earnings toward a new home.

    After five years, you can use $10,000 in earnings for a down payment if you’re a first-time buyer.

  • Convert traditional IRAs and 401(k) plans into your Roth IRA.

    This can be smart if you've accrued savings but would rather pay taxes now than once you're retired.

Income too high? You can still have a Roth IRA.

Your income determines the maximum you can contribute to a Roth IRA. If it's too high, we offer a simple "backdoor" Roth conversion, allowing your money to benefit from tax-free growth.

Learn more about a Roth conversion
A person walking in to a door while holding a growing plant, with a bar chart in the background.

Roth IRAs come with questions. We’re here with answers.

Boost your retirement with a Roth IRA.

Get started