The year is almost over, but it’s not too late to contribute to an IRA (and potentially reduce your tax bill in the process). You have until the tax deadline to make IRA contributions for 2025.
What’s more, we just wrapped up our annual brokerage review process for 2026, and identified several brokers and robo-advisors that now offer a 401(k)-style match on IRA contributions. Here’s the scoop on them.
Brokers that offer IRA matches
Public.com: 1% match on IRA rollovers and contributions for all users.
Robinhood: 1% match on IRA rollovers and contributions for free users. 3% match for Gold users.
SoFi: 1% match on IRA rollovers and contributions for all users.
Webull: 1% match on IRA contributions for free users. 3.5% match for Premium users.
Robo-advisors that offer IRA matches
What to know about IRA matches
Matches don’t count toward contribution limits: You can contribute up to $7,000 to IRAs for 2025, or $8,000 if you’re over age 50, until tax day. For 2026, those amounts will increase to $7,500, or $8,600 if you’re over age 50. Matching funds generally don’t count toward these limits.
4- or 5-year minimum holding period: Most IRA match programs require users to keep their money in the account for some period of time in order to keep the match, typically 4 or 5 years. If you withdraw money from your IRA before then, by cashing out the IRA or transferring it to another custodian, the original custodian may claw back the match.
Limited-time promotions: The accounts listed above offer an IRA matching program on a continuous basis, but others may occasionally offer a match on contributions or rollovers as a limited-time promotion. The accounts above may also sometimes boost their matching percentage on a limited-time basis.