Retirement Account

Acorns Later

Automatically invest for retirement, and get potential tax benefits.

Included with all Acorns subscriptions

Start saving and investing for retirement

In just a few minutes, get an IRA plan recommended for you and your long-term goals. Plus, receive potential tax advantages as you invest for your future.

WHY ACORNS LATER?

Easy retirement investing

Easily manage your investments and Acorns Later account in one app.

Automatic Recurring Contributions

Set up recurring investments. Try $5 a day.

Security & Protection

Acorns Later accounts are SIPC-insured 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

Answer a few questions and we’ll recommend an IRA plan based on your current situation and long-term goals.

Potential tax benefits

Take advantage of potential tax benefits by contributing to your Acorns Later account.

A fast & easy retirement account

Set up an IRA portfolio recommended for your long-term goals

Set easy, automatic Recurring Contributions

Get started

Investing for retirement, made easy

By answering a few simple questions, we'll recommend a Roth, Traditional, or SEP retirement account that aligns with your long-term goals.

What's a Roth IRA?

What's a Traditional IRA?

What's a SEP IRA?

Potential tax benefits

Retirement planning doesn’t just benefit your life later. Start investing in your future to take advantage of potential tax advantages.

Age-based portfolios

With the goal of maximizing growth potential, your Acorns Later portfolio is automatically selected based on your age and timeline to retirement, and automatically adjusts as you age.

Invest with Smart Deposit

Acorns Smart Deposit 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.

Invest a piece of every paycheck automatically

Pick how much to invest, starting at 1%, and change it any time

Allocate a percentage to your Invest, Later, and Early accounts

Frequently asked

What is Acorns Later?

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?

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?

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?

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)?

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.

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A Plan for Everyone

All things investing, for the price of a latte

Acorns was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning ahead for your family’s future, we bundle our products, tools, and education into subscription tiers — each curated to meet you on whichever stage of life you’re in.

That means no hidden costs or transaction fees — just one, transparent monthly payment to take advantage of everything our financial wellness system has to offer.

Not all features are available to all customers at this time. Please compare subscription tiers during registration to see what is available to you. Acorns is only available to US citizens or other lawful residents who are currently located in the United States. You must be 18 or older to sign up for an Acorns account.

What’s included