Robinhood Retirement self-directed IRA bonus: is the 1% match worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $10,000 for 1825 days, the tier that adds the most.
Yearly rate on $10,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$200$10,000$100 bonus · 1825 days
- +$0$10,000Best for you$300 bonus · 1825 days
- −$200$10,000$100 bonus · 1825 days
The math
Compared with leaving $10k at 4.15%
Deposit $10,000 in new money · Keep $10,000 there until day 1825 · Maintain Gold membership 1 year after first Gold match or lose the extra 2%. Verified on the bank's page Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $10,000 in new money
- 2Keep $10,000 there until day 1825
- 3Maintain Gold membership 1 year after first Gold match or lose the extra 2%
- Ends
- No end date listed
- Where
- Nationwide
- Pays while it's there
- 4.15% a year
- Monthly fee
- $5 a month
- Closing early
- $NaN within 1825 days
- Cash stays
- About 1825 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Robinhood Retirement self-directed IRA bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds +$0: the $300 bonus plus $2,075 interest, minus the $2,075 that cash would have earned in 1825 days and $300 in fees. The $10,000 tier adds −$200. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $10,000 in new money; keep $10,000 there until day 1825; maintain Gold membership 1 year after first Gold match or lose the extra 2%. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.