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Best Roth IRA Accounts of July 2024

Our picks for the best Roth IRAs stand out for their low costs and large selection of retirement investments.

Written by Alana Benson
Investing writer
Profile photo of Pamela de la Fuente
Reviewed by Pamela de la Fuente
Assigning Editor
Profile photo of Arielle O'Shea
Edited by Arielle O'Shea
Lead Assigning Editor
Fact Checked

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The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

The best Roth IRA accounts charge no or very low account fees, provide high-quality retirement planning tools and offer strong customer support. In selecting the providers for this list, we also look at:

  • Selection of mutual funds, index funds and exchange-traded funds — these are the investments many retirement savers rely on to build their portfolios. This includes the range of funds on offer but also the number of funds with low minimum investment requirements (crucial if you're just starting to save) and the number of low-cost funds.

  • Usability, including how easy it is to navigate the Roth IRA account provider's website and how intuitive the account-funding process is.

  • Educational resources, including retirement planning and investing guidance, videos and articles.

Our analysis and hands-on testing ensure you can open a Roth IRA at these account providers quickly — often in as little as 15 minutes. To fund the Roth IRA, you can transfer money from your bank account, a brokerage account or another Roth IRA.

Summary of the best Roth IRAs

Our evaluation of Roth IRA accounts includes providers that fall into two main categories: online brokers and robo-advisors.

The core difference: Online brokers allow you to choose your own investments, including individual stocks. You'll take a hands-on approach to managing your portfolio. Robo-advisors build your Roth IRA portfolio for you, typically for a small fee (.25% to .50% of your Roth IRA account balance per year). They are a good choice if you don't want to directly manage your own investments.

Our picks for online brokers:

  • Best Roth IRA overall: Fidelity Investments.

  • Best for low costs: Vanguard.

  • Best for matching contributions: Robinhood.

  • Best for large selection of trading platforms: Charles Schwab

  • Best Roth IRA for active traders: Interactive Brokers.

  • Best for in-person customer support: J.P. Morgan Self-Directed Investing and Merrill Edge.

  • Best educational content: E-Trade.

Our picks for robo-advisors:

  • Best Roth IRA overall: Charles Schwab Intelligent Portfolios.

  • Best for low costs: Vanguard Digital Advisor.

  • Best for matching contributions: SoFi Automated Investing.

  • Best portfolio options/investment selection: Wealthfront.

  • Best for access to financial advisors: Betterment.

  • Best for women investors: Ellevest

How does a Roth IRA account work?

Roth IRAs are a retirement-savings powerhouse: They shield your retirement savings and investment growth from taxes, meaning you can take money out of the account in retirement tax-free.

This means Roth IRA accounts are about delayed gratification: Unlike other individual retirement accounts, with a Roth IRA you don't get a tax deduction for making contributions each year. That said, with a Roth you pay no taxes on distributions — including your investment growth — when you reach retirement age, assuming you follow the IRS rules.

Roth IRAs also allow you to withdraw contributions at any time without penalty. That makes Roth IRAs a good tool not only for retirement savings but also for goals such as saving for college or a down payment on a house. You can even tap them in the case of financial emergencies, though it's a good rule of thumb to avoid draining retirement savings during your working years unless it’s absolutely necessary.

While a Roth IRA's flexibility is attractive, it’s important to know that it applies only to the amount you’ve contributed to the account, not to any additional money that your Roth IRA investments have earned. Any earnings withdrawn from the account before age 59½ would typically be penalized twice: an initial 10% penalty taken off the top, then the usual tax you’d pay on the additional income (though there are some exceptions — see the Roth IRA withdrawal rules).

Of course, the longer you avoid withdrawals and make annual contributions to a Roth IRA, the more cash you’ll potentially accrue, and the greater tax savings you’ll likely have down the line. The “pay now, save later” tax feature is especially appealing if you expect your tax bracket to rise in the years ahead and remain relatively high in your retirement years.

How Roth IRAs are different from traditional IRAs

The Roth IRA, like a traditional IRA, builds savings by allowing its owner to make regular contributions and invest them in a portfolio of stocks, bonds, mutual funds or other investments. But a traditional IRA offers you a tax deduction in the year you make contributions — you then pay taxes when you take money out of the account in retirement.

With the Roth IRA, the reward for paying more taxes now is potentially a heftier tax savings down the line as your investments grow. As this Roth IRA calculator shows, a 35-year-old who contributes $7,000 each year to a Roth IRA until retiring at 67 could end up with $1.3 million in savings (assuming a 6% annual return).

But unlike a traditional IRA, all those post-retirement withdrawals would be tax-free, offering a potential tax savings of $130,000 or more in retirement. (Fans of traditional IRAs, however, might note that those accounts could offer tax benefits throughout the saver’s working years that a Roth could not.)

Our deep, independent analysis of investment firms cuts through the details to find and evaluate the information investors want when choosing an investing account.

  • Over 60 investment account providers reviewed and rated by our expert Nerds.

  • More than 50 years of combined experience writing about finance and investing.

  • Hands-on testing of the account funding process, provider websites and investment platforms.

  • Dozens of objective ratings rubrics and strict guidelines to maintain editorial integrity.

To see our full methodology and learn more about our process, read our criteria for evaluating brokers and for evaluating robo-advisors.

Note: The star ratings on this page are for the provider overall. Some providers with a lower overall rating are included here because Roth IRAs are where they excel.

The best Roth IRA accounts charge no or very low account fees, provide high-quality retirement planning tools and offer strong customer support. In selecting the providers for this list, we also look at:

  • Selection of mutual funds, index funds and exchange-traded funds — these are the investments many retirement savers rely on to build their portfolios. This includes the range of funds on offer but also the number of funds with low minimum investment requirements (crucial if you're just starting to save) and the number of low-cost funds.

  • Usability, including how easy it is to navigate the Roth IRA account provider's website and how intuitive the account-funding process is.

  • Educational resources, including retirement planning and investing guidance, videos and articles.

Our analysis and hands-on testing ensure you can open a Roth IRA at these account providers quickly — often in as little as 15 minutes. To fund the Roth IRA, you can transfer money from your bank account, a brokerage account or another Roth IRA.

Summary of the best Roth IRAs

Our evaluation of Roth IRA accounts includes providers that fall into two main categories: online brokers and robo-advisors.

The core difference: Online brokers allow you to choose your own investments, including individual stocks. You'll take a hands-on approach to managing your portfolio. Robo-advisors build your Roth IRA portfolio for you, typically for a small fee (.25% to .50% of your Roth IRA account balance per year). They are a good choice if you don't want to directly manage your own investments.

Our picks for online brokers:

  • Best Roth IRA overall: Fidelity Investments.

  • Best for low costs: Vanguard.

  • Best for matching contributions: Robinhood.

  • Best for large selection of trading platforms: Charles Schwab

  • Best Roth IRA for active traders: Interactive Brokers.

  • Best for in-person customer support: J.P. Morgan Self-Directed Investing and Merrill Edge.

  • Best educational content: E-Trade.

Our picks for robo-advisors:

  • Best Roth IRA overall: Charles Schwab Intelligent Portfolios.

  • Best for low costs: Vanguard Digital Advisor.

  • Best for matching contributions: SoFi Automated Investing.

  • Best portfolio options/investment selection: Wealthfront.

  • Best for access to financial advisors: Betterment.

  • Best for women investors: Ellevest

How does a Roth IRA account work?

Roth IRAs are a retirement-savings powerhouse: They shield your retirement savings and investment growth from taxes, meaning you can take money out of the account in retirement tax-free.

This means Roth IRA accounts are about delayed gratification: Unlike other individual retirement accounts, with a Roth IRA you don't get a tax deduction for making contributions each year. That said, with a Roth you pay no taxes on distributions — including your investment growth — when you reach retirement age, assuming you follow the IRS rules.

Roth IRAs also allow you to withdraw contributions at any time without penalty. That makes Roth IRAs a good tool not only for retirement savings but also for goals such as saving for college or a down payment on a house. You can even tap them in the case of financial emergencies, though it's a good rule of thumb to avoid draining retirement savings during your working years unless it’s absolutely necessary.

While a Roth IRA's flexibility is attractive, it’s important to know that it applies only to the amount you’ve contributed to the account, not to any additional money that your Roth IRA investments have earned. Any earnings withdrawn from the account before age 59½ would typically be penalized twice: an initial 10% penalty taken off the top, then the usual tax you’d pay on the additional income (though there are some exceptions — see the Roth IRA withdrawal rules).

Of course, the longer you avoid withdrawals and make annual contributions to a Roth IRA, the more cash you’ll potentially accrue, and the greater tax savings you’ll likely have down the line. The “pay now, save later” tax feature is especially appealing if you expect your tax bracket to rise in the years ahead and remain relatively high in your retirement years.

How Roth IRAs are different from traditional IRAs

The Roth IRA, like a traditional IRA, builds savings by allowing its owner to make regular contributions and invest them in a portfolio of stocks, bonds, mutual funds or other investments. But a traditional IRA offers you a tax deduction in the year you make contributions — you then pay taxes when you take money out of the account in retirement.

With the Roth IRA, the reward for paying more taxes now is potentially a heftier tax savings down the line as your investments grow. As this Roth IRA calculator shows, a 35-year-old who contributes $7,000 each year to a Roth IRA until retiring at 67 could end up with $1.3 million in savings (assuming a 6% annual return).

But unlike a traditional IRA, all those post-retirement withdrawals would be tax-free, offering a potential tax savings of $130,000 or more in retirement. (Fans of traditional IRAs, however, might note that those accounts could offer tax benefits throughout the saver’s working years that a Roth could not.)

Our deep, independent analysis of investment firms cuts through the details to find and evaluate the information investors want when choosing an investing account.

  • Over 60 investment account providers reviewed and rated by our expert Nerds.

  • More than 50 years of combined experience writing about finance and investing.

  • Hands-on testing of the account funding process, provider websites and investment platforms.

  • Dozens of objective ratings rubrics and strict guidelines to maintain editorial integrity.

To see our full methodology and learn more about our process, read our criteria for evaluating brokers and for evaluating robo-advisors.

Note: The star ratings on this page are for the provider overall. Some providers with a lower overall rating are included here because Roth IRAs are where they excel.

Best Roth IRA Accounts

Our pick for

Roth IRA with matching contribution (online broker)

NerdWallet rating 

4.3

/5
Robinhood IRA
Learn more

on Robinhood's website

Fees

$0

Account minimum

$0

Promotion

1% match

on eligible contributions up to IRA contribution limits.

Pros

  • Commission-free stock, options and ETF trades.

  • IRA with 1% match.

  • Streamlined interface.

  • Investment recommendations available for IRA portfolios.

  • High interest rate on uninvested cash.

Cons

  • No mutual funds or individual bonds.

  • Limited customer support.

Why We Like It

Robinhood shook up the IRA market with its 1% match on contributions — an offer that is typically only common among employer retirement plans.

Our pick for

selection of trading platforms

NerdWallet rating 

4.9

/5
Charles Schwab
Learn more

on Charles Schwab's website

Fees

$0

per online equity trade

Account minimum

$0

Promotion

None

no promotion available at this time

Pros

  • Commission-free stock, options and ETF trades.

  • Above-average mobile app.

  • Large selection of no-transaction-fee mutual funds.

  • Strong retirement planning tools.

Cons

  • Low interest rate on uninvested cash.

  • High fee for transaction-fee funds.

Why We Like It

Charles Schwab is one of the best overall IRA providers, with high-quality customer service, no account minimum and low fees. The company offers a large selection of no-transaction-fee funds, gives users access to extensive research and charges no commission for stock, options and ETF trades.

Our pick for

Roth IRA for active traders

Best Online Broker for Advanced Traders 2024

NerdWallet rating 

5.0

/5
Interactive Brokers IBKR Lite
Learn more

on Interactive Brokers' website

Fees

$0

per trade

Account minimum

$0

Promotion

None

no promotion available at this time

Pros

  • Commission-free stock, options and ETF trades.

  • Large investment selection.

  • Strong research and tools.

  • Over 19,000 no-transaction-fee mutual funds.

  • High order execution quality.

Cons

  • High minimum to earn interest on uninvested cash.

  • Website can be difficult to navigate.

Why We Like It

Don't let the name fool you: IBKR Lite offers commission-free stock trading (including international trade capabilities), more than 19,000 mutual funds, and a well-featured platform.

Our pick for

in-person customer support

NerdWallet rating 

4.2

/5
J.P. Morgan Self-Directed Investing
Learn more

on J.P. Morgan's website

Fees

$0

per trade

Account minimum

$0

Promotion

Get up to $700

when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money.

Pros

  • Commission-free stock, options and ETF trades.

  • Easy-to-use platform.

  • App connects all Chase accounts.

  • In-person customer support at Chase branches.

Cons

  • Limited tools and research.

  • Portfolio Builder tool requires $2,500 balance.

  • Low interest rate on uninvested cash.

Why We Like It

J.P. Morgan Self-Directed Investing is a clear-cut investment platform that is great for beginners looking to learn how to buy and sell investments. More advanced investors, however, may find it lacking in terms of available assets, tools and research. J.P. Morgan offers traditional and Roth IRAs.

Our pick for

Roth IRA portfolio options

NerdWallet rating 

5.0

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Wealthfront IRA
Learn more

on Wealthfront's website

AD

Paid non-client promotion

Fees

0.25%

management fee

Account minimum

$500

Promotion

Get a $50 customer bonus

when you fund your first taxable investment account

Pros

  • Get $50 customer bonus when you fund your first taxable investment account (NerdWallet promotion).

  • Automatic rebalancing.

  • Digital financial planning tools.

  • Low management fee.

Cons

  • No access to human advisors.

  • No fractional shares.

Why We Like It

Wealthfront is our highest-scoring robo-advisor thanks to its blend of automated investment portfolios and DIY stock investing portfolios, its wide variety of account options, excellent tax strategy and low management fee. Wealthfront offers Roth, traditional, rollover and SEP IRAs, along with backdoor Roth conversions and 401(k) rollovers.

Our pick for

Roth IRA for low costs (robo-advisor)

Best Robo-Advisor for Low-Cost Investing 2024

NerdWallet rating 

4.8

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Vanguard Digital Advisor
Learn more

on Vanguard's website

AD

Paid non-client promotion

Fees

0.15%

per year (approximately)

Account minimum

$3,000

Promotion

No advisory fees

your first 90 days of Vanguard Digital Advisor investment management (Enrollment requires a Vanguard account with a minimum of $3,000)

Pros

  • Access to Vanguard’s investing expertise and ETFs.

  • Low portfolio management fee.

  • Low investment expense ratios.

Cons

  • Limited portfolio options and customization.

  • $3,000 account minimum.

Why We Like It

Vanguard Digital Advisor is an affordable robo-advisory service that uses several of Vanguard’s key ETFs to create a personalized retirement plan and portfolio. Vanguard offers traditional, Roth and rollover IRAs.

Our pick for

Roth IRA with access to financial advisors

NerdWallet rating 

5.0

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Betterment IRA
Learn more

on Betterment's website

AD

Paid non-client promotion

Fees

0.25%

with a balance over $20K or qualifying recurring deposit. Otherwise, $4/month.

Account minimum

$0

$10 to start

Promotion

None

no promotion available at this time

Pros

  • Multiple investment options.

  • Robust goal-based tools.

  • Fractional shares limit uninvested cash in portfolios.

  • Low management fee.

Cons

  • Additional fee for access to financial advisors.

Why We Like It

Betterment offers a powerful combination of goal-based tools, affordable management fees and no account minimum. Betterment has a wide range of investments, including socially responsible and crypto portfolios and gives clients access to Roth, traditional, inherited, rollover and SEP IRAs.

Our pick for

Roth IRA with matching contribution (robo-advisor)

NerdWallet rating 

4.9

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

SoFi Automated Investing
Learn more

on SoFi Invest's website

AD

Paid non-client promotion

Fees

0%

management fee

Account minimum

$0

Promotion

1% match on IRA contributions

Only offers made via ACH are eligible for the match. ACATs, wires, and rollovers are not included.

Pros

  • Broad range of low-cost investments.

  • Free portfolio management.

  • Access to certified financial planners.

  • 1% match on IRA contributions.

  • No account minimum.

Cons

  • Limited account types.

  • No tax-loss harvesting.

Why We Like It

Free management and access to financial advisors and career counselors make SoFi Automated Investing a solid choice for beginning and younger investors. SoFi supports Roth, traditional, SEP and rollover IRAs.

Our pick for

women Roth IRA investors

NerdWallet rating 

4.7

/5

Reviewed in: Oct. 2023

Period considered: Aug. - Oct. 2023

Ellevest
Learn more

on Ellevest's website

AD

Paid non-client promotion

Fees

$12

per month

Account minimum

$0

Promotion

2 months free

with promo code "nerdwallet"

Pros

  • Goal-focused investing approach.

  • Portfolio mix that factors women’s needs.

  • Members get discounted sessions with coaches and certified financial planners.

  • No account minimum.

Cons

  • No tax-loss harvesting.

  • Some portfolios have minimum investment requirements.

Why We Like It

Ellevest offers a single flat-fee plan which costs $12 a month — that's on the pricier end of robo-advisors. Clients get discounted access to professional financial planning, alongside free educational resources and the only investing platform that factors in women’s pay gaps, career breaks and longer lifespans. Ellevest allows you to invest through traditional, Roth, SEP, SIMPLE and inherited IRAs.

Our pick for

Roth IRA for low costs (online broker)

NerdWallet rating 

4.2

/5
Vanguard
Learn more

on Vanguard's website

Fees

$0

per trade

Account minimum

$0

Promotion

None

no promotion available at this time

Pros

  • Commission-free stock, options and ETF trades.

  • Leader in low-cost mutual, index and exchange-traded funds.

  • High interest rate on uninvested cash.

  • High order execution quality.

Cons

  • Basic trading platform only.

  • Limited research and data.

  • No fractional shares.

Why We Like It

Vanguard is the king of low-cost investing, making it ideal for buy-and-hold and retirement investors. It offers a top-notch selection of proprietary, low-cost mutual funds, including many ESG options. Despite its $0 trade commission, active traders will find the broker falls short due to the lack of a strong trading platform.

Our pick for

best overall Roth IRA (online broker)

Best Broker for IRA Investors 2024

NerdWallet rating 

5.0

/5
Fidelity Roth IRA
Fees

$0

no account fees to open a Fidelity retail IRA

Account minimum

$0

Promotion

None

no promotion available at this time

Pros

  • Commission-free stock, options and ETF trades.

  • Offers several index funds with no expense ratios.

  • Free research and data.

  • Strong customer support.

  • Helpful retirement planning tools.

  • High interest rate on uninvested cash.

Cons

  • Relatively high broker-assisted trade fee.

Why We Like It

Many investors are familiar with Fidelity as a provider of 401(k) plans — the broker is one of the biggest names in employee retirement accounts. It can be convenient to also have an IRA under the same roof, because you'll be able to seamlessly view all account balances in one place. But even for those who don't have a 401(k) with Fidelity, the company offers access to low-cost retirement investments (including no-fee, no-minimum index funds) and innovative tools to help you plan for retirement and check in on your progress.

Want to compare more options? Here are our other top picks:

Note: Some of these promotions won’t apply for first-time depositors, due to IRA contribution limits of $7,000 in 2024 ($8,000 if 50 or older). We’ve included promotions with low deposit requirements where available.

Do I qualify for a Roth IRA account?

The Roth IRA has income rules for contributions. For 2024, your ability to contribute begins phasing out at $146,000 for single filers and $230,000 for those married filing jointly. The contribution limit is slowly reduced until your ability to contribute is eliminated completely. If your income is above these amounts, our Roth IRA calculator will tell you how much you can contribute.

With a traditional IRA and a Roth IRA, the contribution limit is a shared limit — you can contribute a total of up to $7,000 ($8,000 if you're 50 or older) in 2024. It’s up to you to decide how you want to divvy that up between the two.

Is a Roth IRA a good fit for me?

Roth IRAs tend to be best for retirement investors who would prefer to pay taxes now rather than in retirement — that generally means you think your current tax rate is lower than you expect your tax rate to be in retirement. Roth IRAs also offer flexibility — you can withdraw your contributions at any time, without penalty, which means a Roth can act as a backup emergency fund.

Of course, it can be really hard to know what your future tax rate will be, especially if retirement is decades away, so it can make sense to contribute both to a 401(k) or traditional IRA, and to a Roth IRA, if you qualify.

No matter what, if you have a 401(k) or other workplace retirement plan, contribute enough to get the match — that’s free money you don’t want to pass up.

Can I switch Roth IRA accounts?

Yes, you can transfer money from one Roth IRA account to another. The key is to do a direct transfer, where your account balance is moved directly from the old Roth IRA provider to the new one, without the money ever entering your hands (or bank account). Roth IRA providers are familiar with this process. The transfer must be completed within 60 days.

Can I contribute to a Roth IRA if I already have a 401(k) or a traditional IRA?

Yes. You can have both a Roth IRA and a 401(k) and contribute the maximum you’re allowed to each.

How do I open a Roth IRA?

The process is easy as can be: You can open a Roth IRA at any online broker or robo-advisor, typically online in about 15 minutes. You’ll need to provide some personal information like your name, address, birthday, Social Security number and means of funding the account, so have that handy. Here’s our step-by-step guide to opening a Roth IRA, including details about how to fund and invest the account.

How easily can I access money in my Roth IRA?

With a Roth IRA, you can pull your contributions out at any time — remember, you’ve already paid taxes on that money.

However, if you withdraw your investment earnings, you may owe income tax and/or a 10% penalty, depending on how old you are and how long you’ve owned the account. But there are quite a few situations where an early withdrawal of investment earnings is exempt from penalties and income tax. We detail the Roth IRA withdrawal rules here.

How do I invest my Roth IRA?

Once you’ve put money into the account, you need to select investments; otherwise, your money will sit in cash, which isn’t ideal for a long-term goal like retirement. Most Roth IRA providers offer a wide range of investment options, including individual stocks, bonds and mutual funds.

If that sounds out of your league, you can open your Roth IRA at a robo-advisor — like one of the providers mentioned above under the heading Best Roth IRAs for hands-off investors. Robo-advisors will manage your investments for you for a small fee.

How much do Roth IRAs earn?

How much you earn in a Roth IRA account will vary, depending on what you’re investing in. The average annual stock market return historically has been about 10%.

Of course, you want to invest in a diversified portfolio of both stocks and bonds, so that your account has a buffer from the stock market’s inevitable ups and downs. Generally, creating a diversified investment portfolio means investing in a handful of mutual funds or exchange-traded funds, which, in turn, invest in a broad swath of stocks and bonds.

A diversified investment portfolio will inevitably earn less than the stock market’s return, because bond yields tend to be in the single digits. Still, a diversified portfolio of stocks and bonds generally earns more than any bank savings product, such as a savings account or CD.

Video preview image

What's the best bank for a Roth IRA?

Our roundup of the best Roth IRAs focuses on accounts offered by brokers and robo-advisors — not banks. Generally, a broker or robo-advisor is a better option than a bank for a Roth IRA account. That’s because, for a long-term goal like retirement, you want to harness the power of the stock market to help your account get bigger.

Bank Roth IRAs generally offer access to savings products, such as certificates of deposit. CDs are savings vehicles that guarantee a rate of return as long as you leave your money in for a specific period of time. Historically, stock market returns average about much higher than CD returns.

Of course, those higher stock market returns come with the risk that, in any given year, your account may lose value. But investors who leave their money in the market, even through those down days, historically enjoy hefty average gains over time.

If, despite the much lower rate of return, you decide to go with a bank for your Roth IRA account, be sure to pick among the accounts with the best IRA CD rates so you know you’re getting the best possible rate of return for that type of account.

Last updated on July 1, 2024

Methodology

NerdWallet’s comprehensive review process evaluates and ranks the largest U.S. brokers and robo-advisors. Our aim is to provide an independent assessment of providers to help arm you with information to make sound, informed judgements on which ones will best meet your needs. We adhere to strict guidelines for editorial integrity.

We collect data directly from providers through detailed questionnaires, and conduct first-hand testing and observation through provider demonstrations. The questionnaire answers, combined with demonstrations, interviews of personnel at the providers and our specialists’ hands-on research, fuel our proprietary assessment process that scores each provider’s performance across more than 20 factors. The final output produces star ratings from poor (one star) to excellent (five stars).

For more details about the categories considered when rating providers and our processes, read our full broker ratings methodology and our full robo-advisor ratings methodology.

To recap our selections...

NerdWallet's Best Roth IRA Accounts of July 2024