Anyone with earned income who is a U.S. resident taxpayer and 18 or older can open a Traditional or Roth IRA with Carry. Traditional IRA contributions are allowed until age 73, while Roth IRAs have no age limits. Tax benefits and contribution limits vary based on your income and tax-filing status.
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 in everything from stocks to real estate to crypto⍏—all on one platform.
Investment advisory services are offered by Carry Advisors, an SEC registered investment advisor.
Income too high for Roth? Do a backdoor Roth conversion
If your income exceeds the Roth IRA limit (generally, $165,000 for single filers and $246,000 for joint filers in 2025), you can still enjoy tax-free growth and tax-free withdrawals in retirement through a backdoor Roth conversion.
Carry helps to simplify this advanced tax strategy by handling the conversion automatically with just a few clicks—bringing you one step closer to tax-free withdrawals in retirement.
More than just another IRA
Automatic recurring deposits and investments
Set it and forget it. Schedule regular contributions to your account and automatic investments into your chosen assets to build your portfolio effortlessly through dollar-cost averaging—no manual transfers or market timing required.
Both Roth and Traditional IRAs
Open either account type (or both) with automatic contribution limit tracking across accounts to prevent over-contributing and manage tax deferrals.
Backdoor Roth conversions
High earner? Bypass income limits with automated Backdoor Roth conversions that move Traditional IRA funds to Roth IRA funds for tax-free growth and tax-free withdrawals in retirement.
Roth conversions
Rather pay taxes now than in the future? Convert your existing Traditional IRA funds to Roth IRA funds easily through our platform. We handle the conversion process and automatically calculate estimated taxes owed, giving you a picture of the tax impact before you complete the transaction.
Explore diverse investment options
With a Carry IRA, you can diversify your portfolio all in one place. Pick from stocks, ETFs, and mutual funds, put your cash to work with Smart Yield, use our Roboadvisor for hands-off investing, or explore alternative assets like real estate, private equity, and crypto.
Switching to Carry? We’ve got you covered
Already have retirement accounts elsewhere? Rolling over to Carry is straightforward. We support a variety of rollovers to your IRA, including 401(k)s, IRAs, 403(b)s, and 457(b)s. Transfer cash or existing equities to avoid liquidating your assets in the transfer—we make it simple to initiate.
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
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
Questions before joining?
Who is eligible to open an IRA with Carry?
What existing retirement accounts can I rollover to a Carry IRA?
We support various rollover options for each type of IRA:
- For Traditional IRAs, you can rollover an eligible external 401k, Traditional IRA, Solo 401k, 403b, 457b, SEP IRA, and SIMPLE IRA.
- For Roth IRAs, you can rollover an eligible external Roth IRA, 403b, 457b, SEP IRA, and SIMPLE IRA.
What's the difference between a Traditional IRA and a Roth IRA?
With a Traditional IRA, you pay no taxes on contributions now, but are taxed when you withdraw funds in retirement. With a Roth IRA, you pay taxes on contributions today, but all withdrawals in retirement are completely tax-free. The right choice typically depends on when you’d prefer to pay taxes and whether you expect to be in a higher or lower tax bracket in retirement.
Can I invest in crypto from a Carry IRA?
Yes, crypto investments are supported in the Carry IRA. Crypto investing on Carry is only available via self-directed investing options that are held with AET, a third-party partner.
Can I invest in alternative assets from a Carry IRA?
Yes, with a Carry IRA, you can invest in alternative assets by bringing your own real estate, startup, or private fund investments to the platform through self-directed investing options.
Investment advisory services are offered by Carry Advisors, an SEC registered investment advisor. Bank and Trust accounts for alternative assets are not advised.
What is the backdoor Roth strategy?
A backdoor Roth is a strategy that lets high-income earners contribute to a Roth IRA by first making non-deductible contributions to a Traditional IRA and then converting those funds to a Roth IRA. Carry helps you simplify this process, making it quick and efficient. Learn more here.
Are there any additional fees?
Carry offers transparent pricing, learn more here.
Is my IRA with Carry protected?
Generally, yes, your funds have multiple layers of protection through insurance coverage or regulatory safeguards. Depending on the investment account type, your investment may be covered by either FDIC, SIPC or other regulatory safeguards provided by our custodian partners. Learn more here.