Retirement Account

Acorns Later

Automatically invest for retirement, and get potential tax benefits.

Get started
Acorns Later
3% IRA match included in Acorns Gold

Start saving and investing for retirement

In just a few minutes, get an IRA plan recommended for you and your long-term goals. Plus, take advantage of potential tax benefits, and get a 3% IRA match on new contributions to Later with Acorns Gold.
WHY ACORNS LATER?
Easy retirement investing
Easy retirement investing
Easily manage your investments and Acorns Later account in one app.
3% IRA match
3% IRA match
Get a 3% IRA match on new contributions to your Acorns Later retirement account with Acorns Gold.
Automatic Recurring Contributions
Automatic Recurring Contributions
Set up a daily, weekly, or monthly Recurring Contribution to make your investing automatic.
Security & Protection
Security & Protection
Acorns Later accounts are SIPC-protected up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit www.sipc.org.
Recommended for you
Recommended for you
Answer a few questions and we’ll recommend an IRA plan based on your current situation and long-term goals.
Potential tax benefits
Potential tax benefits
Take advantage of potential tax benefits by contributing to your Acorns Later account.
We’ll put our money into your future
We'll boost your retirement with a 3% IRA match on new contributions that you make and keep in your Acorns Later retirement account for 4 years. Max out your annual contributions, and that's an extra $210 investment — on us!
3% or 1% IRA match included in Acorns Gold or
Silver subscriptions, respectively.
We’ll put our money into your future We’ll put our money into your future
A fast & easy retirement account
A fast & easy retirement account
Purple Checkmark Sign up in minutes
Purple Checkmark Set up an IRA portfolio recommended for your long-term goals
Purple Checkmark Set easy, automatic Recurring Contributions
Get started
Retirement planning, automated

With your answers to a few simple questions, we'll recommend the retirement account that's right for you - Roth, Traditional or SEP.

Retirement planning, automated
Retirement planning, automated
Potential tax benefits
Potential tax benefits
Retirement planning doesn’t just benefit your life later. Every contribution you make towards your Acorns Later retirement account can mean potential tax benefits today.
Age-based portfolios
Your Acorns Later portfolio is automatically selected based on your age and timeline to retirement and automatically adjusts as you age.
Age-based portfolios Age-based portfolios
Invest with paycheck split Cross-section of tree stump
Invest with paycheck split
Paycheck split automatically invests a piece of your paycheck for you into your Acorns Later account. It's built into Acorns Checking, and comes included with your subscription.
Purple Checkmark Invest a piece of every paycheck automatically
Purple Checkmark Pick how much to invest, starting at 1%, and change it any time
Purple Checkmark Allocate specific percentages to your Invest, Later, and Early accounts
Learn more

Frequently asked

What is Acorns Later?

Right arrow

Acorns Later provides access to three types of Individual Retirement Accounts (IRAs) that offer customers an easy, automated way to save for retirement.

How much money do I need to open an Acorns Later account?

Right arrow

Just as with our investment accounts, you can begin investing in your Acorns Later account with just $5!

How is my Acorns Later portfolio selected?

Right arrow

Your Acorns Later portfolio is selected based on your age and the time until you reach age 69. 

 

Over time, Acorns adjusts your portfolio to help you stay on track toward your investment goals. For example, as you grow closer to retirement age, we may consider more conservative investments since your money may have less time in the market. 

 

In other words, we’ll automatically rebalance your portfolio as you age — all in the background of life!

Why should I invest in an IRA?

Right arrow

An Acorns Later IRA can help you easily invest in yourself, while receiving potential tax advantages. For example, you may be able to defer some taxes until retirement or even pay less in taxes. 

 

To learn more about investing in an IRA plan, check out the articles below.

 

What is an IRA?

The Difference Between Roth and Traditional IRA

 

Already have an IRA? No problem. You can have more than one IRA. If you prefer to have them in one place, you can roll over your existing IRA to an Acorns Later IRA. Simply contact our support team for step-by-step guidance.

 

For informational and educational use only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.

Can I invest into Acorns Later if I’m contributing to a workplace retirement plan, like a 401(k)?

Right arrow

Yes! You can contribute to a workplace retirement plan like a 401(k) and an IRA. You can also roll over an existing 401(k) to an Acorns Later IRA with help from our support team.

 

For informational and educational use only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.

FINANCIAL WELLNESS System

Acorns helps you save & invest for the long-term

Acorns Logo
Acorns
Invest spare change
Get started Get the app