The Robinhood IRA Match, Explained

Robinhood adds money to what you put into its IRAs: 1% of your contributions as standard, or 3% if you have Robinhood Gold. No big traditional broker offers an IRA match, which makes it one of the few genuinely unique things about Robinhood.

Checked 25 September 2026.

How much it's worth

The 2026 IRA contribution limit is $7,500 for people under 50.

Gold costs $50 a year on the annual plan. At a full contribution, the extra match ($150) covers the fee three times over, before counting Gold's other perks.

The fine print

• It's paid on new contributions, up to the annual limit. Transfers and rollovers from other providers follow separate promotional terms.
• You have to keep the money there. If you withdraw or transfer the matched money out within a set period, Robinhood can take the match back. Check the current holding period in the app before you contribute.
• Gold has to be active when you contribute to get the 3% rate.
• The match doesn't count toward your contribution limit.

Roth or Traditional?

Both get the same match. Most people starting out with a lower income choose a Roth IRA: you pay tax now and withdrawals in retirement are tax-free. See Roth IRA vs 401(k) for the order to fund accounts.

Should you take it?

If you were going to open an IRA anyway, the match is free money. Just make sure you're comfortable keeping the account at Robinhood for the full holding period, and remember that your 401(k) employer match, if you have one, comes first.

FAQ

Is the Robinhood IRA match taxed?

It's treated as part of your IRA's growth, so it follows the account's tax rules: tax-free in a Roth if you meet the withdrawal rules.

Can I get the match and still have a 401(k)?

Yes. An IRA is separate from a workplace plan.

More on Robinhood: our full Robinhood review, How to Open a Robinhood Account: Step by Step, Is Robinhood Safe? How Your Money Is Protected, Robinhood Legend Review: Is It Good Enough for Active Traders?, or the Robinhood guide.