Choosing the right IRA can have a major impact on your retirement security. Both Roth and Traditional IRAs offer tax advantages, but the best accounts also provide great tools, low fees, and valuable perks. Here’s a breakdown of the best IRA accounts for 2025 to help you reach your financial goals.
1. SoFi – Top Choice for Comprehensive IRAs
Rating: 9.8
- Offers a broad range of IRA accounts including Traditional, SEP, and Roth IRAs
- $0 account minimums
- No commission with self-directed IRAs¹
- Access to personalized advice from credentialed financial planners
- 1% IRA match on contributions and rollovers (Terms apply)²
2. Public – Best for Maximizing Earnings
Rating: 8.6
- Open a Traditional or Roth IRA with tax benefits
- Earn an uncapped 1% match on IRA rollovers and transfers
- Receive 1% on every dollar you contribute
- Trade options in your IRA, a feature many brokerages don't offer
3. Robinhood – Best IRA Match with Robinhood Gold
Rating: 9.2
- Save and earn with recommended or self-directed IRA accounts
- Extra 3% match with Robinhood Gold
- Traditional and Roth IRAs with tax benefits
- Receive 1% on every dollar you contribute
4. Acorns – Best for Automatic, Age-Based Investing
Rating: 8.3
- Get an IRA plan recommended for you in just a few minutes
- Offers Traditional, SEP, and Roth IRAs
- Age-based portfolio that adjusts automatically
- Monitor your accounts with the mobile app
Conclusion
The best IRA account matches your investment style, savings habits, and retirement timeline. Whether you want comprehensive financial planning, the highest match, or a set-it-and-forget-it IRA, these leading accounts provide superior options to secure your financial future.
