Individual Retirement Accounts

Take advantage of the 2019 IRA contribution limits: $6,000 or $7,000 (if age 50 or older).

Find the IRA That May Be Right for You

Over 95% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 3/31/19+.

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.

A Passion for Exploration

Join National Geographic Explorer David Lang and T. Rowe Price investment professional Alan Tu as they discuss their shared passion for exploration, their desire to understand, and their hands-on approach to obtaining fresh insights. It’s the kind of drive T. Rowe Price investment professionals bring to our investment approach every day. Check out their story in the accompanying short film.

T. Rowe Price Insights®
Retirement Savings

Are Your Retirement Savings on Track?

January 7, 2019
Retirement Savings

What’s Your Best Contribution Order?

February 6, 2019
Retirement Planning

When to Consider a Roth Conversion

January 25, 2019

More account options

To help you reach your financial goals, T. Rowe Price offers a broad range of investment products and services.