top of page
Background-#1 (2).jpg

Traditional and Roth IRA

Investing for Retirement Made Easy

  • Start in just minutes

  • Automate deposits that can be paused

  • Leverage potential tax benefits

  • Get a diversified ETF portfolio

phone (2).png

What is an IRA?

Individual Retirement Accounts (IRAs) help people save and invest for their retirement while enjoying certain tax advantages. IRAs can be used by individuals who are self-employed, own a business, or simply want to invest with tax benefits. To encourage people to save long-term, the IRS imposes a penalty to withdrawals before the age of 59 ½.

cuenta personal seccion 2_AG copy-26.png
  • Get your tax benefits upfront

  • Don’t pay income tax on the money you put in

  • You pay income tax when you withdraw

  • Best if you already have an emergency fund

cuenta personal seccion 2_AG copy-25.png
  • Get your tax benefit when at retirement

  • Pay income tax in the money you put in

  • No income taxes for withdrawals after age 59½

  • Can be used in case of an emergency


You don't need to be an expert to invest your money successfully. Finhabits does that for you.

Traditional IRA vs Roth IRA

Funded with

Contribution Limits


Withdrawal Age*

Income Limits (2023)**




After-tax dollars

$6,500 ($7,500 if age 50 or older)


Age 59½ and over

Modified AGI single $153,000/married $228,000




Pre-tax dollars

$6,500 ($7,500 if age 50 or older)


Age 59½ and over

No income limits to participate

* Roth IRA: Early distributions or withdrawals of contributions and earnings could avoid tax penalties provided it is a qualified exception such as unreimbursed medical expenses, first-time home purchase, qualified educational expenses, death, disability, and health insurance costs, if unemployed. Traditional IRA: There are no income limits for Traditional IRAs, but there are income limits for tax-deductible contributions. Other rules apply to both IRAs. Please consult with a tax expert for more details.


Security is everything

We manage your data with the same care as a bank.

There’s nothing more important to us than keeping your money and personal information safe and sound.


Finhabits is an SEC-registered investment advisor. With Finhabits, you can count on bank-level security that includes a 265-bit SSL-encrypted connection on our site.


And you can rest easy, since your money is held in accounts insured up to $500,000 by SIPC.

How can you start investing?


Download the Finhabits app

You can get started in Spanish or English. Our service is 100% bilingual.


Register with your SSN or ITIN

Select an investment portfolio: Conservative, Aggressive, or Recommended.


Schedule your deposits

Finhabits lets you connect your bank account to your Finhabits account within seconds.

Download Finhabits

download-on-the-app-store-badge copy.png
get-it-on-google-play-vector copy.png

You don't need to be an expert to invest your money successfully. Finhabits does it for you.

Background-#2 (3).jpg

More than 80,000 people have already invested with Finhabits!

Our services include:


Automated deposits

Finhabits lets you schedule weekly, biweekly, or monthly deposits. You can start with $10, $100, or $1,000. You decide!


Bilingual mobile app

Use Finhabits to monitor your investment accounts and manage your deposits and withdrawals.

INV_cartera automatica.png

Dividend reinvestment

All the dividends you earn are reinvested to purchase more shares. This helps accelerate the power of long-term compounding in your investments.


Educational videos and podcasts

Learning about money and financial habits can be difficult. That’s why the Finhabits app includes educational videos and podcasts about building good financial habits.

Stock MArket copy.png

Portfolio rebalancing

Finhabits rebalances your portfolio regularly to ensure an appropriate asset mix for your investments.

Section#3_Servicio (1).png

Bilingual support

Our team is based in the U.S. and is ready to help you in both English and Spanish!

Frequently asked questions

Background-#3 (1).jpg
Section#6 (1).png

If you've scrolled this far, it's because you care about your future

Invest your money with a real strategy
Take the first step today.

bottom of page