Start saving for your retirement with a single dollar.

We offer Individual Retirement Accounts (IRAs) designed for the way you actually live and work.

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Honest Dollar

Save for your retirement on your terms.

made for you
Simple

Open an account in minutes. No appointments, no paperwork and no account minimums — the way retirement should be.

made for you
Automated

Begin investing with your first deposit. Recurring contributions and auto-rebalancing allow you to set it and forget it.

made for you
In Your Control

Get the tools you need to make the right decisions now and into the future. Track progress and make changes anytime.

A simple path to a lifetime of savings.

choose
Choose

A Retirement Account

select
Select

An Investment Strategy

contribute
Contribute

From Your Bank Account

monitor
Monitor

Your Investments


Choose from three IRAs. Each is a long-term investment account with different tax advantages that stay with you no matter where you work.

Learn More About Retirement Accounts

Roth IRA

Pay taxes on the money you put in, but not when you take it out.


2016 Max Contribution:
  • Below age 50: $5,500
  • Age 50+: $6,500
Withdrawals:
  • Withdrawals from the principal, or money you put in, are penalty and tax free
  • Withdrawals from the interest and/or earnings are subject to income tax and 10% penalty prior to age 59 ½
Qualifications:
  • Dependent on salary or filing status
  • No age restriction

Traditional IRA

Save on taxes on the money you put in, and pay taxes when you withdraw it.


2016 Max Contribution:
  • Below age 50: $5,500
  • Age 50+: $6,500
Withdrawals:
  • Prior to age 59 ½ are generally subject to income tax and a 10% penalty
  • After age 59 ½ will be subject to income tax, but no penalty
Qualifications:
  • No salary or filing status restriction
  • Must establish account before age 70 ½

SEP IRA

A type of IRA that offers a potentially higher maximum contribution depending on your 1099 income.


2016 Max Contribution:
  • 25% of your independent contractor (or 1099) income not to exceed $53,000
Withdrawals:
  • Prior to age 59 ½ are generally subject to income tax and a 10% penalty
  • After age 59 ½ will be subject to income tax, but no penalty
Qualifications:
  • Must earn 1099 income
  • No age restriction
Simple Pricing

5

per month*

We’re making retirement more affordable. Now, get the tools to make it yours.
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Honest Dollar is dedicated to helping people save in a society built on spending.