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T. Rowe Price® IRA
IRAs: Tax-advantaged savings for your retirement
Find the IRA That May Be Right for You

Roth IRA

  • Pay taxes now
  • Tax-free withdrawals of qualified distributions1

    Tax-free withdrawals of contributions
    Tax-free withdrawals of contributions

Traditional IRA

  • Pay taxes later
  • Receive potential tax deductions now

Rollover/Transfer IRA

1 As long as you've held the account at least 5 years and you're age 59½ or older.

A Word About Fees

We know you’re concerned about fees. That’s why we offer low-cost, actively managed mutual funds with no loads, commissions, or sales charges.

Annual Account Service Fee*


$20/T. Rowe Price account below $10,000

Closeout Fee**                    


$20 if the account is closed

For more detailed information regarding fees, view the Fees and Minimums section of our Help Center.

* The annual account service fee will be waived if you subscribe to electronic delivery of statements, confirmations, and prospectuses and shareholder reports.
** A closeout fee is deducted from each IRA or Education Savings Account (ESA) mutual fund account that is fully redeemed, transferred to a non-IRA or ESA, or transferred out of T. Rowe Price.

Ready to Start? Speak to a Retirement Specialist 1-800-332-6161

Frequently Asked Questions
Why a T. Rowe Price IRA? 

Consultative Approach 


Whether you are looking for a second opinion or helping bring clarity to your retirement picture, our experienced associates can help you make confident decisions based on your savings goals.


Low-Cost Investments


We offer a wide range of low-cost, no-load investments. Keep in mind that an IRA may be subject to an annual fee, and a fee may be assessed if the IRA is closed.

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