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Carry IRAs

Your flexible path to retirement savings

Whether you're looking to open a Traditional or Roth IRA, Carry provides the tools to help you save on taxes, manage your wealth, and invest flexibly—including alternative and crypto investments.

The benefits are (almost) endless

Solo 401k Image is hypothetical.
Roboadvisor
Looking for a simple way to invest? Carry's roboadvisor makes it easy to build a diversified portfolio that fits your goals and risk level.
Stocks & ETFs
Full access to invest in a wide range of index funds and ETFs, including popular options from providers like Vanguard— with no additional fees.
Automatic recurring deposits
Set it and forget it! With automatic recurring deposits, you can build your savings effortlessly by scheduling regular contributions to your account.
Roth and Traditional IRAs
Carry supports both Traditional and Roth IRAs, and manages the contribution limit across both, giving you the option to manage tax deferrals and avoid overcontributing.
Trade with no commissions
Enjoy commission-free trading on Carry. Whether you're buying stocks, ETFs, or other assets, trade confidently without hidden fees eating into your returns (excluding crypto trading fees, learn more here).
Backdoor Roth conversion
Unlock tax-free growth with our Backdoor Roth conversion option. Ideal for high earners, this strategy allows you to move funds from a Traditional IRA to a Roth IRA, giving you the benefits of tax-free withdrawals in retirement.

Income too high for Roth? Do a backdoor conversion

If you make more than the income limit for Roth ($146,000 for single filers and $230,000 for joint filers in 2024), you may be eligible for a backdoor Roth conversion.


The Carry platform lets you do this in just a few clicks, and handles the conversion automatically, bringing you one step closer to potential tax-free growth.

Backdoor Roth IRA
Investment Options Image is hypothetical.

Invest in (almost) anything you like

With Carry IRA, diversify your portfolio all in one place. Invest in popular equities (including popular funds from Vanguard), use our Roboadvisor for hands-off investing, or explore alternative assets like real estate, private equity, and crypto.

Disclosure: Investment advisory services offered by Carry Advisors, an SEC registered investment advisor. Bank and Trust accounts for alternative assets are not advised.

Looking to switch? Simple.

If you already have a Traditional or Roth IRA, our goal is to make rolling it over to Carry simple. Roll over cash, equities, alternatives, or a combination of all. *

IRA

Real customers who made the switch

"Checks every box, and supports Roth Contributions."

"Very very impressed with Carry. Checks every box and supports Roth contributions to Solo 401(k), including mega backdoor Roth and even has self-directed IRAs for those who want that. Great resources. Clean/easy-to-use website. Great support."

Ryan Odom

Entrepreneur

testimonial by Ryan Odom

These are real testimonials from real customers, who have not been compensated.

Discover why our customers trust Carry

"I am in *heaven* with Carry. Payroll deduction to my Solo 401k and then automatically invested. You solved the use case that matters most. If i wasn’t running my own startup, I’d want to work with you all."

Cheryl Kellond, Carry Customer

"Major shoutout to my tax strategist from [Carry]. She crafted for me a 32-page tax and financial plan that outlined insurance, retirement, and how to achieve my LT goals."

Austin Hankwitz, Carry Customer

"Thanks so much. I reviewed my financial plan and it provided a lot of guidance and things to think about in terms of my long-term goals."

Sherrell Dorsey, Carry Customer

"It was one of the first platforms I’ve seen that specifically targets and helps solopreneurs, s-corp owners, self-employed, and gives them an all-in-one platform to easily manage retirement and tax saving strategies and accounts. I once tried to open a Solo 401k with [Other Provider], and it was a daunting task. Carry was a few clicks."

Nick Chester, Carry Customer

"I love Carry so much. It was so easy to set up my Solo 401k (which if you’ve ever tried to do that, it’s not always super simple) and inside I was able to invest in a ton of different ETF options"

Erin Confortini, Carry Customer

These are real testimonials from real customers, who have not been compensated.

Choose your Carry membership

Core

$29 /month
or $299/year
Solo 401k, IRAs, and Taxable Brokerage accounts
Invest in equities including stocks, ETFs, and mutual funds
Access to managed investments including Smart Yield and Roboadvisor
Add on tax filing, tax planning, bookkeeping, and financial planning for an additional fee
Full access to 20+ courses

Best for exploring Carry and using core investing tools

Pro

$49 /month
or $499/year

Everything on Core, plus:

Invest in Crypto in your Traditional or Roth IRA
Access to Alternative investments in your Solo 401k, Roth IRA, or Traditional IRA
Advanced Solo 401k support including EACA credit filing

Best for premium Solo 401k features plus advanced investments and strategies

Compare all features

Questions before joining?

Who is eligible to open an IRA with Carry?

Anyone with earned income can open a Traditional or Roth IRA. The tax benefits and contribution limits depend on your income and tax-filing status.

Can I roll over my existing IRA to Carry?

Yes! If you have an IRA with another provider, you can easily roll it over to Carry (our goal is to make that process super simple, straightforward, and we'll be there to help you along the way).

What's the difference between a Traditional IRA and a Roth IRA?

With a Traditional IRA, you defer taxes until retirement. With a Roth IRA, your contributions are taxed upfront, but your withdrawals in retirement are tax-free.

Can I invest in alternative assets with a Carry IRA?

Yes! Carry allows you to invest in a wide range of assets, including real estate, startups, and private equity, with self-directed investing options.

Disclosure: Investment advisory services offered by Carry Advisors, an SEC registered investment advisor. Bank and Trust accounts for alternative assets are not advised.
What's the Backdoor IRA?

A Backdoor IRA is a strategy that allows high-income earners to contribute to a Roth IRA by first contributing to a Traditional IRA and then converting it to a Roth IRA. Carry makes this process simple and efficient (learn more here).

Are there any additional fees?

Carry offers a simple flat fee. Learn more about our pricing here.

Is my IRA with Carry protected?

Yes, your funds have multiple layers of protection through both insurance coverage and regulatory safeguards. Depending on the investment account type, your investment will be covered by either FDIC, SIPC or other regulatory safeguards provided by our custodian partners. Learn more here.