IRA contribution matches at 10 brokers: who pays 1% to 4%, what it comes to on the $7,500 limit after plan fees, and who pays nothing
Some brokers add a percentage to what you put into an IRA. The IRS limit for 2026: “The limit on annual contributions to an IRA is increased to $7,500 from $7,000.” As of October 31, 2026 (Eastern time):
- With a paid plan: Public 4% with Reserve ($240 a year), Webull 3.5% with Premium ($40 a year) and Robinhood 3% with Gold ($50 a year). On $7,500, that is $300, $262.50 and $225, or $60, $222.50 and $175 after the plan's yearly cost.
- Without one: 1% at Robinhood, Webull (limited time), Public and SoFi: $75 on $7,500.
- No match at Fidelity, Schwab, Vanguard or E*TRADE; moomoo and eToro USA offer no IRA.
- Strings attached: keep the money five years at Robinhood, Webull and SoFi, keep the paid plan a year, and Public now pays over 12 months with a 5-year hold.
Brokers that match
| Broker | Standard match on $7,500 | Paid plan | Match with the plan on $7,500 | In its terms | Terms read |
|---|---|---|---|---|---|
| Public | 1%: $75 | Reserve, $20 a month | 4%: $300, or $60 after the $240 yearly fee | “Reserve members get 3.75% APY on cash compared to 3.30% for Core, a 4% IRA match compared to 1%”. “IRA match is paid monthly over 12 months and subject to a 5-year hold.” Contributions count “for Eligible Contributions, any time on or after March 24, 2025 until such time as Public Investing shall end this Offer Period in its sole discretion without notice”; paid over 12 months for contributions settling from September 22, 2026. | Public, match program terms; Public, Reserve |
| Robinhood | 1%: $75 | Gold, $5 a month or $50 a year | 3%: $225, or $175 after the $50 yearly fee | “The IRA match is a 3% match on annual contributions with Robinhood Gold ($5 per month) or 1% without Gold for self-directed Robinhood IRAs.” “Maintain your Gold membership for at least 1 year from when you received the Gold match.” | Robinhood, IRA match FAQ; Robinhood, Gold |
| SoFi Invest | 1%: $75 | — | — | “SoFi matches 1% of all contributions via automated clearing house (ACH) transfer or via instant cash transfer from SoFi Bank accounts, up to your IRS contribution limit”. “Deposits must stay in the account for five (5) years or the bonus will be subject to an early withdrawal fee” | SoFi, 1% IRA deposit match |
| Webull | 1%: $75 | Premium, $3.99 a month or $40 a year | 3.5%: $262.50, or $222.50 after the $40 yearly fee | “3.5% contribution match (ongoing)” with Premium; “1% contribution match (limited-time)” without. “Maintain Webull Premium for 1 full year” | Webull, Premium benefits; Webull, subscription and fees |
No match or no IRA
| Broker | What we found | Page read |
|---|---|---|
| Charles Schwab | IRAs offered; no match found (a referral cash bonus only) | Schwab, referral offer |
| E*TRADE | IRAs offered; no match, a tiered cash credit for new retirement accounts (code RETIRE26, to Feb. 28, 2027) | E*TRADE, retirement offer |
| eToro USA | No IRA found: its customer relationship summary lists stocks, ETFs and options | eToro USA, Form CRS (PDF) |
| Fidelity | IRAs offered; no match found | Fidelity, IRAs |
| moomoo | No IRA | moomoo, account types |
| Vanguard | IRAs offered; no match found | Vanguard, IRAs |
The conditions that matter
- Holding period. SoFi: deposits must stay five years or a fee applies; Robinhood and Webull use five years too.
- Leaving the paid plan early. Robinhood's Gold match terms: “The Gold Subscription Cancellation Fee equals two-thirds 2/3 of the Match.” Webull requires Premium for a full year.
- When it is paid. Public: “The Match Amount for an Eligible Contribution with a Settlement Date before September 22, 2026 is credited in a single payment”; later contributions are paid over 12 months.
- The Saver's Match from 2027 is separate: a federal deposit for lower incomes; see Saver's Match 2027.
Sources: Robinhood, Gold IRA match terms (PDF); and the terms in the table.
Quick answers
Which broker has the highest IRA match?
By rate, Public's 4% with Reserve, then Webull's 3.5% with Premium and Robinhood's 3% with Gold. After a year of each plan's price on a $7,500 contribution, Webull leaves the most ($222.50), then Robinhood ($175) and Public ($60). Without a paid plan, 1% at Robinhood, Webull, Public and SoFi.
Does moomoo have an IRA match?
No. moomoo's US broker says it does not offer IRAs.
Do Fidelity, Schwab or Vanguard match IRA contributions?
We found no IRA contribution match on their pages on October 31, 2026.
What is the IRA limit for 2027?
The IRS had not announced it on October 31, 2026; we will add it when it does. For 2026 it is $7,500.
How we checked
- Each broker's own match terms, help or disclosure pages, read October 31, 2026 and saved; the IRA limit from the IRS's news release.
- Webull's terms PDF is at an address our publishing checks refuse, so we quote its help page.
What this page does not cover
- Workplace 401(k) matches, and which IRA to choose.
Rechecks and changes
We will add the 2027 limit when the IRS announces it, and read the terms again after Webull's limited-time 1% match ends.
- . Added Public Reserve's 4% match, left out of the first version.
- . First published.
Sources: IRS news release IR-2025-111; and each broker's pages in the tables. This page contains no affiliate links. It is not investment advice.