Open a Traditional & Roth IRA

Your Financial Independence Starts with an Ocho IRA

Maximize your retirement savings with a Traditional or Roth IRA from Ocho.

Traditional and Roth IRAs by Ocho

Open a Traditional or Roth IRA by Ocho 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.

Contribute up to $6,500 for 2023 or up to $7,500 if you’re at least 50 years of age.

Enjoy tax-free or tax-deferred growth potential on all of your investment profits.

Withdrawals from your Ocho Roth IRA in retirement are completely tax-free.

Contributions to Ocho’s Traditional IRA are tax deductible.

Anyone with earned income can contribute to a Traditional or Roth IRA.

Withdraw your contributions (principal) from your Roth IRA at any age without penalties.

Get investment recommendations based on your risk profile

Get matched with personalized ETF recommendations based on your risk profile and financial goals you choose during your account set up.

View all of your investments, reports, and account activity from one central dashboard

Manage your contributions, investments, and all of your retirement accounts easily through our intuitive reporting dashboard.

Get personalized recommendations from a financial planner

If you join Ocho’s Professional Plan, you’ll get 1:1 access to your very own Ocho Financial Planner. They’ll build you a personalized financial plan and will be available to answer any questions so you can make decisions with confidence.

Perform a 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 Ocho.

Opening a Traditional or Roth IRA takes under 10 minutes with Ocho

Open a Traditional IRA, Roth IRA, or both with just a few clicks. No paper forms, sign everything online, get started in minutes. As soon as you open your account, you can make a contribution, rollover accounts, and start investing.

Ocho Traditional IRA

Contributions are made in pre-tax income and are tax deductible. Withdrawals in retirement are taxed as ordinary income.

Ocho Roth IRA

Contributions are made in post-tax income, but withdrawals in retirement are completely tax-free, no matter how large your gains.

FeatureTraditional IRARoth IRA
2023 contribution limits$6,500 if under 50, $7,500 if age 50+ $6,500 if under 50, $7,500 if age 50+
Contribution typePre-tax incomePost-tax income
Tax deductionYesNo
Taxes on withdrawalsTaxed as ordinary incomeTax-free
2023 income limitsNo tax deduction if income exceeds $83,000Cannot contribute if income exceeds $153,000
RMDYes, must start taking withdrawals at age 73No

Ready to get started with Ocho?


$299/ year

  • ✓ Ocho Solo 401k Plan
  • ✓ Ocho IRAs (Traditional + Roth)†
  • ✓ Security & compliance monitoring
  • ✓ On-demand courses + training
  • ✓ No AUM fees
  • ✓ 30-day refund guarantee
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$999/ year

  • ✓ Ocho Solo 401k Plan
  • ✓ Ocho IRAs (Traditional + Roth)†
  • ✓ Security & compliance monitoring
  • ✓ On-demand courses + training
  • ✓ No AUM fees
  • ✓ 30-day refund guarantee
  • ✓ Custom financial plan
  • ✓ Access to “Ask an Advisor”
  • ✓ On-going support and updates to financial plan
Create Account


$12,000 / year

  • ✓ Limited spots and by application only
  • ✓ Hands-on financial planning, execution and investment advice
  • ✓ For business owners earning $200k+ profit annually
  • ✓ No-fee investment management and advice
  • ✓ Sourcing, vetting and executing on boutique accredited investments
  • Click here to learn more
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What if Ocho isn’t the right fit for you?

You can try out Ocho for 30 days and if you feel it isn’t right for you, we have a no questions asked refund policy.

Trusted and backed by some of the world’s top entrepreneurs, creators and money experts.

“The level of insight you get in terms of your money management is not something I’ve seen on any other apps I’ve used.”


Startup founders have invested in Ocho


In preseed funding

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