Take care of your financial future

Start investing for a retirement you’ll love with the Ellevest Plus or Ellevest Executive money membership.

Start where you are

Women retire with two-thirds as much money as men do, but live six to eight years longer. No matter where you are financially, the most important thing is to start investing with a company that recognizes and plans for these differences.

Retirement made easy

KNOW YOUR NUMBER

We recommend how much you should save by the time you retire — down to the dollar.

DESIGNED FOR YOU

We factor in important realities of women’s lives, such as pay gaps, career breaks, and longer lifespans.

STAY ON TRACK

We invest and manage your money for you. We also make adjustments as you get closer to retirement. 

Support along the way

Get access to our Concierge Team, retirement specialists, and 1:1 sessions with a financial planner.

Retirement at Ellevest

Get a personalized plan that reflects all of your accounts, not just the ones with Ellevest. You won't pay any extra advisory fees — it's all included in your membership.

Roll over a 401(k) & 403(b)

Consolidate your retirement accounts to an IRA at Ellevest.

Ellevest’s SEP IRA is designed for single employee sole proprietorships.

Transfer an IRA

Got a traditional, Roth, or SEP IRA? Get started in transferring it to Ellevest in minutes.

Open an IRA

Open a traditional, Roth or SEP IRA — we’ll recommend a personalized investment plan.

Where women invest.

Questions?

How much does Retirement at Ellevest cost?

You can open a retirement account with Ellevest at the Plus or Executive membership levels. We don't charge any additional fees for Retirement accounts — it's all included with your monthly membership. Ellevest doesn’t charge a fee to move your retirement accounts over, but you might incur transaction and transfer fees from your current IRA, 401(k), or 403(b) provider. Please consult your plan administrator for more information.

What's the difference between a Roth and a traditional IRA?

In a traditional IRA, all earnings grow tax free, and contributions may be tax deductible depending on your financial situation. Withdrawals from the account in retirement are typically taxed as income, and withdrawals before 59½ are subject to a 10% penalty from the IRS.

In a Roth IRA, the earnings also grow tax free, but contributions are never eligible for a tax deduction. Unlike a Traditional IRA, when you withdraw from a Roth IRA in retirement, the distributions are usually tax-free. Contributions to a Roth IRA (but not investment earnings) can be withdrawn without penalty at any time. Roth IRA investment earnings can be withdrawn after five years for certain approved reasons, such as a first time home purchase.

How does Ellevest determine whether I should open a traditional or Roth IRA?

Our recommendation on whether you should open a traditional IRA or a Roth IRA for your Retirement goal is based on our estimate of your eligibility to contribute to a Roth IRA. This estimate is based upon the salary you provided to us (or the household income, if you're married).

Disclaimer

Forecasts or projections of investment outcomes in investment plans are estimates only, based upon numerous assumptions about future capital markets returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This forecast is based on a Build Wealth goal and includes annual increases in monthly deposit based on your future salary curve. To forecast your salary curve, we consider your gender, salary, and education information you provide to us.