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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
No-fee 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.

Why choose Carry for your IRA?

0% AUM fees, no matter the size of your IRA

Worried about scaling fees? Carry's roboadvisor has zero AUM fees, no matter how large your portfolio grows.

Get set up in just a few minutes

Opening up your account can take just a few minutes, and enjoy the benefit of digital forms. We also make switching to Carry from another provider super simple.

SIPC Protection and FDIC Insurance

Certain Solo401k and IRA accounts on Carry are eligible for FDIC or SIPC insurance, provided by their respective custodians. See details

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 can do 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 tax-free growth.

Backdoor Roth IRA
Investment Options

Invest in (almost) anything you like

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


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.

Get Started with Carry

Basic Plan

$29 /month
or $299/year
Solo 401k, IRAs & non-retirement Brokerage Accounts
No AUM fees
Eligible business expense for your taxes
Automated Mega Backdoor Roth and Roth IRA conversions
Add-on access to a Certified Financial Planner™ for additional charge

Great for maximizing retirement savings without management fees.

Pro Plan

$49 /month
or $499/year

Everything in the Basic Plan, plus:

Invest in alternative assets (from your Solo 401k and IRA)
Invest in crypto (from your IRA)
Payroll integration with Gusto

A great fit if you're self-employed and seeking to automate your contributions or explore further investment types.

VIP Plan

$500-$1,500 /month
or $6K-$18K/year

Everything in the Pro Plan, plus:

Personalized planning with an expert to identify top tax-saving opportunities
High quality bookkeeping and payroll services to help you stay organized
Integrated tax filing for both personal and business returns

Ideal for business owners earning $200k+ in annual profit.

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.

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, and there are no AUM fees. 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.