Best Roth IRA Accounts of 2025: Top Brokers & Robo-Advisors
Compare the top Roth IRA providers of 2025, including low-cost brokerages and robo-advisors. We evaluated fees, investment options, and tools to find the best Roth IRA accounts for your retirement savings.
A Roth IRA is a retirement account where contributions grow tax-free, and qualified withdrawals in retirement are tax-free. For 2025, the maximum annual Roth IRA contribution limit is $7,000nerdwallet.com(plus a $1,000 catch-up for those 50 or older) . To pick the best Roth IRA account, experts emphasize low fees, broad investment choices, and useful planning tools.cnbc.com In our roundup, we highlight providers excelling in these areas. Fidelity and Charles Schwab are consistently top-rated for their low costs and wide fund selection,nerdwallet.com while robo-advisors like Betterment and Wealthfront earn praise for automated portfolios and ease of use. We evaluated each on fees, account minimums, investment options, and features to recommend the best Roth IRA accounts of 2025.
Our Top Picks at a Glance
Fidelity Investments Roth IRA
According to , Fidelity’s Roth IRA earned a 5.0/5 rating as the top overall choice,nerdwallet.com thanks to its commission-free trades and comprehensive retirement planning tools . Forbes Advisor also highlights Fidelity’s “impressive selection of zero-expense-ratio index funds”forbes.comand no-minimum mutual funds . Fidelity is known for low fees, a rich fund lineup, fractional shares, and high yields on idle cash.
Pricing
Key Features
- Commission-free trading on stocks, ETFs, and optionsnerdwallet.com
- Index funds with 0% expense ratioforbes.com
- High yield on cash balancesnerdwallet.com
- Fractional-share trading for many U.S. stocks/ETFsforbes.com
- No account minimum or maintenance feesnerdwallet.com
- Robust research, education, and retirement planning toolsnerdwallet.com
Pros
- Zero-commission trades for stocks and ETFsnerdwallet.com
- Multiple index funds with no expense ratioforbes.com
- No account minimum or maintenance feesnerdwallet.com
- Strong customer support and retirement planning resources
- High annual percentage yield on uninvested cashnerdwallet.com
- Broad range of commission-free mutual funds
Cons
- Broker-assisted trades incur a high fee ($32 per trade)nerdwallet.com
- Platform complexity may overwhelm beginners
- Some non-Fidelity funds carry transaction fees
- No integrated cryptocurrency trading available
Charles Schwab Roth IRA
Schwab’s Roth IRA is praised for its extensive offerings and service. Forbes Advisor notes Schwab’s “comprehensive selection of low-fee, no-load mutual funds, index funds and ETFs” and ranks it best for customer service.forbes.com NerdWallet highlights its commission-free trades and broad fund lineup.nerdwallet.com Schwab also provides advanced trading platforms (Schwab.com and thinkorswim) and a national branch network, making it a strong choice for both new and active investors.
Pricing
Key Features
- Commission-free trading on stocks and ETFsnerdwallet.com
- Thousands of no-transaction-fee mutual funds and ETFsforbes.com
- Advanced trading platformsforbes.com(thinkorswim and StreetSmart Edge)
- Extensive branch and online customer supportforbes.com
- No account minimum or maintenance feesnerdwallet.com
- Extensive retirement planning and educational tools
Pros
- Zero-commission trades on stocks and ETFsnerdwallet.com
- Broad selection of low-cost mutual funds and ETFsforbes.com
- Top-rated customer service and supportforbes.com
- Powerful thinkorswim trading platform for active tradersforbes.com
- No account minimum and no inactivity fees
- Extensive educational resources and branch access
Cons
- Schwab Intelligent Portfolios (robo IRA) requires a $5,000 minimum
- Limited fractional-share trading on the brokerage platform
- No cryptocurrency trading available
- Some non-Schwab mutual funds have transaction fees
Betterment Roth IRA
NerdWallet rates Betterment’s Roth IRA 5.0/5, calling it ideal for new investors with robust goal-based planning tools and no account minimum.nerdwallet.com Betterment offers diversified automated portfolios (including socially responsible and crypto options) and automatic rebalancing for a low annual fee. NerdWallet highlights its “powerful combination of goal-based tools, affordable management fees and no account minimum”,nerdwallet.com making it a flexible choice for retirement savers.
Pricing
Key Features
- 0.25% annual management fee (or $4/month)nerdwallet.com
- No account minimum to open or maintainnerdwallet.com
- Automated portfolio rebalancing and tax-loss harvesting
- Goal-oriented financial planning toolsnerdwallet.com
- Fractional-share investing (keeps cashnerdwallet.comfully invested)
- Separate Roth, Traditional, SEP, and Rollover IRA optionsnerdwallet.com
Pros
- Automated diversified portfolios tailored to your goals
- Fractional shares and smart rebalancing to limit idle cashnerdwallet.com
- $50 sign-up bonus on a funded account
- No minimum balance or trading commissions
- Multiple socially responsible and alternative portfolios
- Low management fees with easy, hands-off investing
Cons
- Additional fee required for unlimited access to financial advisorsnerdwallet.com
- 0.25% fee (or $4/mo) applies to all balances (no fully free option)
- Only ETF-based portfolios (no direct stock picking)
- No branch offices or in-person service
Wealthfront Roth IRA
NerdWallet awarded Wealthfront a 5.0/5 for its Roth IRA, praising the blend of automated and DIY investing.nerdwallet.com Wealthfront offers automatic rebalancing, tax-loss harvesting and a $50 bonus on the first funded account.nerdwallet.com Its platform supports Roth, Traditional, SEP, and rollover IRAs with a low 0.25% fee after a $500 opening deposit. According to NerdWallet, it provides a wide variety of account options and tax-smart features, making it a top robo-advisor.nerdwallet.com
Pricing
Key Features
- 0.25% annual management feenerdwallet.com
- $500 account minimum to open
- Automatic portfolio rebalancing and tax-loss harvesting
- $50 bonus when you fund your first accountnerdwallet.com
- Option for automated portfolios or direct stock/ETF investingnerdwallet.com
- Supports Roth, Traditional, SEP and rollover IRAsnerdwallet.com
Pros
- Highly-rated hybrid robo-advisor with flexible portfolios
- Automatic rebalancing and integrated tax strategiesnerdwallet.com
- $50 new-account bonus
- Low management fee (0.25%)
- Option to directly invest in selected stocks/ETFs
- Supports multiple retirement account types
Cons
- No access to live financial advisorsnerdwallet.com
- Does not offer fractional share tradingnerdwallet.com
- Requires $500 minimum deposit
- ETF-only investing (no mutual funds)
Conclusion
In summary, the best Roth IRA accounts combine low costs with broad investment choices and helpful features. NerdWallet and Forbes both highlight Fidelity and Schwab for their fee-free trading and wide fund menus.nerdwallet.com Meanwhile, robo-advisors like Betterment and Wealthfront earn top marks for easy automated investing and planning tools.nerdwallet.com When choosing a Roth IRA, consider what matters most: if you want maximum control and research tools, full-service brokers like Fidelity or Schwab excel; if you prefer automated goal-based planning, top robo platforms deliver that with minimal work. Use our picks and the cited reviews to find the account that fits your retirement goals.