Tax-advantaged savings for your retirement

Over 90% of our Retirement Funds beat their 10-year Lipper average as of 12/31/17.+

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? 

Competitive Performance


Our expertise and collective experience allow us to thoughtfully focus on consistent, competitive performance for you.



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.

T. Rowe Price Insights®
Retirement Savings

What’s Your Best Contribution Order?

March 21, 2018
Retirement Savings

Are You on Track for a Successful Retirement?

January 30, 2018
Retirement Planning

What Should I Do With My Old 401(k)?

February 14, 2018