Robinhood IRA match: 1%, or 3% with Gold

Updated November 5, 2026 · Offer data last verified 2026-11-05 · Not financial or tax advice.

Robinhood adds a match to money you put in a Robinhood IRA. Without a subscription it's 1%. With Robinhood Gold ($5/month) the match on annual contributions rises to 3%. Robinhood's page says maxing out the 2026 contribution earns a $225 boost with Gold. Details from Robinhood's official retirement page and our Robinhood IRA offer page.

Contribution match amounts (2026 limits)

IRS limit	Contribution	1% (no Gold)	3% (Gold)
Under 50	$7,500	$75	$225
50 and over	$8,600	$86	$258

Robinhood states the $7,500/$8,600 limits and the $75/$225 figures. The age-50+ amounts are our arithmetic from the stated rates.

Transfers and 401(k) rollovers

Robinhood says you get matched 1% on contributions, IRA transfers and old 401(k) rollovers, with no cap on the 1%. That's where the big dollars are: a $100,000 rollover would earn $1,000 at 1%. The 3% Gold rate applies to annual contributions.

The Gold requirement

To earn the 3% boost, Robinhood says you must join Gold and keep it for 1 year, starting from the date you earned your first Gold match. At $5/month that's $60, so the extra 2% on a $7,500 contribution ($150) nets about $90 if Gold is the only reason you subscribe.

The 5-year rule

Robinhood's disclosure says the funds that earned the match must stay in the account for at least 5 years to avoid a potential Early IRA Match Removal Fee. Plan on leaving the money there. See holding periods and clawbacks.

Other fine print

The match isn't counted toward your annual contribution limit.
It doesn't apply to managed IRAs from Robinhood Strategies.
You need earned income to contribute to an IRA.

How it compares

Webull also runs an IRA match; see our Robinhood vs Webull IRA match comparison. For every live IRA offer, see best IRA bonuses and Roth IRA transfer bonuses.

General information only. This isn't financial or tax advice. Offers change or end without notice, and the official terms always govern. Confirm everything on the provider's page before you act. See our disclaimer.

Official page read by hand on 2026-10-30: official terms ↗. Amounts and hold come from our offer database (last verified 2026-11-05).

FAQ

How much is the Robinhood IRA match?

1% on contributions, IRA transfers and 401(k) rollovers. With Robinhood Gold ($5/month), annual contributions get 3%, which is $225 on a maxed-out $7,500 contribution for 2026.

Do I need Robinhood Gold for the IRA match?

No. Non-Gold customers get 1%. Gold raises the contribution match to 3%, and Robinhood says you must keep Gold for 1 year from your first Gold match.

Is there a cap on Robinhood's transfer match?

Robinhood's page says the 1% match on contributions, transfers and old 401(k)s has no cap.

How long must I keep the money at Robinhood?

At least 5 years to avoid a potential Early IRA Match Removal Fee, per Robinhood's disclosure.

Does the Robinhood match count toward my IRA contribution limit?

No. Robinhood says the match isn't counted toward your annual contribution limit.