Open an IRA
Your Financial Independence Starts with a Carry IRA
Maximize your retirement savings with a Traditional or Roth IRA from Carry† — opening an account takes 10 minutes or less.
Traditional and Roth IRAs by Carry
Open a Traditional or Roth IRA by Carry and easily invest in stocks and ETFs through our intuitive investment platform. Earnings have tax-free or tax-deferred growth potential, so you’ll keep more of what you invest.†
Max out contributions
Contribute up to $6,500 for 2023 or up to $7,500 if you’re at least 50 years of age.
Tax-free growth
Enjoy tax-free or tax-deferred growth potential on all of your investment profits.†
Tax-free withdrawals
Withdrawals from your Carry Roth IRA in retirement are completely tax-free.
Tax deductible
Contributions to Carry’s Traditional IRA are tax deductible.
Open to anyone
Anyone with earned income can contribute to a Traditional or Roth IRA.
Withdraw without penalties
Withdraw your contributions (principal) from your Roth IRA at any age without penalties.
Backdoor Roth IRA conversion
A Roth IRA has income limits that restrict high income earners from making contributions. A backdoor Roth IRA is an easy workaround that lets anyone put money into their Roth IRAs each year, and it only takes a few minutes with Carry.
View everything from one dashboard
View all of your investments, reports, and accounts and manage your contributions, investments, and all of your retirement accounts easily through our intuitive reporting dashboard.
Personalized risk recommendations
Get matched with personalized ETF recommendations based on your risk profile and financial goals you choose during your account set up.†
Ready to get started?
Basic Plan
$299/year
- Carry Solo 401k, Traditional IRA, Roth IRA, and brokerage accounts
- Security and compliance monitoring
- On-demand courses and training
- No AUM fees
- 30-day refund guarantee
Pro Plan
$999 $499/year
Everything included in the Basic Plan, plus:
- Self-directed IRAs (Roth and Traditional)
- Custom financial plan
- Access to “Ask an Advisor”
- Ongoing support and updates to financial plan
Carry VIP
$12,000/year
Everything included in the Pro Plan, plus:
- Hands-on financial planning, execution, and investment advice
- No-fee investment management and advice
- Sourcing, vetting, and executing on boutique accredited investments
For business owners earning $200k+ in profit annually. Limited spots and by application only.
Try Carry for 30 days and if it isn’t for you, get fully refunded – no questions asked.
Trusted by top entrepreneurs, creators and money experts
“The process of opening a solo 401k used to be extremely complex, and you had to do most of the administration work yourself… I don’t normally get excited about retirement plans, but Carry is building something I’ve wanted to exist for a long time.”
Nate O’Brien
Investor & YouTuber
“There are now so many people who are self-employed, and Carry is building the perfect financial vehicle to help them turn their business income into generational wealth. [Carry] is so powerful and flexible that it feels like you’re getting access to a tax loophole.
Elizabeth Yin
Co-founder @ Hustle Fund
“Carry is the most intuitive experiences I’ve tried. I love how you can get set up and invest in just a few minutes. Every business owner, creator, and self-employed person should have one. The benefits and tax savings each year are a no-brainer.
Sebastian Fung
Owner, Ask Sebby
Why you need to use Carry
Carry is the easiest way to set up a solo 401k and start investing your money with tax-free compounding. You can open an account in under 10 minutes, and we take care of all paperwork and administration for you. No need to open separate brokerage accounts (unless you want to!) – it can all be done through your Carry account.†
Invest in traditional assets like stocks and ETFs through the app,† or take your Carry Solo 401(k) plan to any third party custodian for full checkbook control to directly invest your money in alternative assets like real estate and crypto.
You get to decide whether you want to contribute with pre-tax dollars and get a tax deduction, or contribute into a Roth account for tax-free withdrawals in retirement. Deduct up to $66,000 from your taxable income, or put the whole amount into a Roth account. It’s entirely up to you.
A mega backdoor Roth solo 401k lets you invest up to $66,000 entirely into a Roth account (10x more than a Roth IRA, and 3x more than what’s traditionally allowed with a 401k). A mega backdoor Roth is a complex procedure with many moving parts. With Carry, we’re there for you every step of the way.
Create your account, make direct contributions, rollover assets, and invest your funds all in one place.† And if you need help, we’re here for full account administration assistance, plan support, and security & compliance monitoring.