Robinhood adds a match to eligible IRA contributions: 1% for all customers and 3% for Robinhood Gold members. This calculator shows what that means for your contribution, and how long the money needs to stay put.
How the match is calculated
- Without Gold: eligible contributions multiplied by 1%.
- With Gold: eligible contributions multiplied by 3%.
- Limit: the calculator uses the 2026 IRS limits of $7,500, or $8,600 if you are 50 or older. Confirm your own limit and eligibility on the IRS website.
Examples
A full $7,500 contribution earns a $75 match without Gold or $225 with Gold. At the $8,600 limit for people 50 or older, the figures are $86 and $258.
Rules that can cost you the match
- Five-year hold: Robinhood says the funds that earned the match must stay in the account for at least 5 years to avoid a possible Early IRA Match Removal Fee.
- One year of Gold: to keep the full Gold match, you must stay subscribed for 1 year after your first Gold match.
- Normal IRA rules still apply: early withdrawals can trigger income tax and a 10% penalty, with some exceptions.
Source: What’s Robinhood Gold? on Robinhood’s support site. Our Robinhood IRA match guide covers the details.
Educational estimate only, not financial advice. RobinhoodTradeApp Guide is independent and is not affiliated with Robinhood Markets, Inc. Rates can change, so confirm them in the app before you decide. Figures checked October 31, 2026.
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Robinhood IRA match FAQ
What is the Robinhood IRA match?
Robinhood adds 1% to eligible IRA contributions, or 3% if you have Robinhood Gold. On a $7,500 contribution, that is $75 or $225.
Can I lose the match?
Yes. Matched money generally has to stay in the account for five years. Read the full rules in our Robinhood IRA match guide.
Is Gold worth paying for just the match?
Gold adds an extra 2% match, so it covers the $50 yearly fee once your eligible contributions reach $2,500. Use our Gold calculator to include cash interest too.
Related Robinhood guides
Check the current terms in Robinhoodâs official help centre and your contribution limit on the IRS website.