Retirement
Your future, planned in plain numbers
Tax-advantaged accounts, planning tools, and clear projections — with no account fees.
- Account types
- 6
- Account fees
- $0
- Contributions
- Auto
- Dashboard
- 1
Account types
Choose the account that fits your goals
Each option has different tax treatment and contribution rules.
Roth IRA
After-tax contributions with tax-free growth and qualified withdrawals.
- No required minimum distributions
- Tax-free qualified withdrawals
- Income limits apply
401(k) Rollover
Consolidate old employer plans without tax on a direct rollover.
- No tax on direct rollovers
- Combine multiple plans
- Often lower fees
SEP IRA
Built for the self-employed and small businesses.
- Employer-only contributions
- Flexible funding
- Simple administration
SIMPLE IRA
A straightforward plan for businesses with 100 or fewer employees.
- Employer match required
- Easy to administer
- Low paperwork
HSA
Triple-tax-advantaged health savings for the long term.
- Tax-deductible contributions
- Tax-free qualified withdrawals
- Invest unused balances
Traditional IRA
Tax-deductible contributions with tax-deferred growth.
- Tax-deferred growth
- Penalty-free from 59½
- RMDs begin at 73
Plan your retirement
Project the nest egg
Adjust age, savings, and return assumptions to see the range of outcomes.
Retirement projector
A simple projection — actual returns will vary.
Horizon: 33 years
What moves the number most
Time in the market and the amount contributed each month usually matter more than small changes in the assumed return. Start with what you can sustain, then raise it as income grows.
30 yr
Typical horizon
7%
Illustrative return
Monthly
Contribution rhythm
0
Account fees
Projections are illustrative and assume a constant rate of return. Markets do not move in a straight line, and returns are not guaranteed.
Getting started
Three steps to a plan
- 01
Pick an account
Compare the tax treatment of each option.
- 02
Set a contribution
Choose an amount you can keep up every month.
- 03
Review twice a year
Rebalance and adjust as income changes.
Ready to start investing?
Create your free account in minutes and explore the platform.