Invest for your retirement. With added tax benefits.
On Public, you can open Traditional and Roth IRAs and plan for retirement alongside your other investments.
Get startedThe tax treatment of IRA contributions and withdrawals is subject to meeting certain IRS requirements. Please see the IRS website for more information to determine which type of IRA makes sense for you.
Invest for the retirement you want
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Stocks, ETFs, and bonds
With a self-directed IRA on Public, you can access thousands of stocks, ETFs, and bonds to align your investing style with your retirement goals.
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Options trading
On Public, you can trade options in your IRA—a feature many brokerages don't offer. Plus, you can earn rebates on your stock and ETF options trades.
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Investment Plans
Prefer to set it and forget it? You can schedule recurring contributions to a pre-made Investment Plan—or build your own with up to 20 assets.
Earn up to $10,000 with each rollover or transfer
If you roll over a 401(k) or transfer an IRA to Public, you can earn a bonus of up to $10,000. We'll even cover any fees from your old brokerage.*
Transfer an IRA| Retirement account value | Bonus |
|---|---|
| $5,000—$24,999 | $150 |
| $25,000—$99,999 | $250 |
| $100,000—$249,999 | $650 |
| $250,000—$499,999 | $1,000 |
| $500,000—$999,999 | $2,000 |
| $1,000,000—$4,999,999 | $4,000 |
| $5,000,000+ | $10,000 |
Max out your IRA. Stress-free.
With an IRA on Public, you can set up recurring investments that stop once you hit the IRS limit, so you never have to worry about over-contributing.
*It is the customer’s responsibility to verify contributions they may have made at other institutions
See the power of compounding at work
Calculate how regular IRA contributions can transform your retirement savings over time.
The chart estimates how your savings could grow based on your specified interest rate and compounding schedule. It is for illustrative purposes only, not a guarantee of future results, and losses are possible. This is not tax or investment advice—consult your tax advisor for personalized advice. Visit see the IRS website for details on Traditional and Roth IRA limits and benefits. All investments involve risk.
How do I use this compound interest calculator?
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Current retirement savings: Enter the total amount you've already saved for retirement, including any existing IRAs and 401(k) accounts.
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Annual contribution: In 2025, the maximum contribution you can make to an IRA is $7,000.
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When do you plan to retire: Enter the number of years from now when you expect to retire.
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Average rate of return: Enter your expected investment return rate. The returns you can expect from your IRA depend on the investments you choose.
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Compound frequency: Choose how often your returns are compounded (e.g., yearly, quarterly, monthly).
Get built-in protections from SIPC
Our broker-dealer is a member of SIPC, which protects up to $500,000 of the securities in your accounts, including $250,000 in claims for cash.
Have questions? Find answers.
Is the Public app actually free?
You can sign up for Public and open a brokerage account with Open to the Public Investing, Inc. with as little as $1. At Public, our mission is to open the markets to all. Equity trades are commission-free, meaning $0 commission trading on self-directed individual cash brokerage accounts that trade U.S. listed securities placed online. We never charge any hidden service or convenience fees but other fees, such as wire transfer fees and paper statement fees, may apply. See Public’s Disclosures to learn more. We believe everything you invest and earn should stay yours!
Do I earn a free slice of stock when I sign up for Public?
Let us help you get started! When you sign up for Public, open an approved brokerage account and deposit funds into your account, you qualify to receive a free slice of stock. The value of the slice of stock you receive varies from $3 to $300 and the amount designated for each redemption is random. This offer is available to new users only. Visit Public’s New User Free Stock Program to learn more about the terms and conditions.
Can I share Public with friends?
Absolutely! When your friend uses your unique referral link to sign up for Public, opens an approved brokerage account, and deposits funds into their account, then both you and your friend qualify for a free slice of stock. The value of the slice of stock varies from $3 to $300 and the amount designated for each redemption is random. Check out the Public Referral Program to learn how you can earn free stock slices when you invite your friends to Public and what terms and conditions apply.
Is Public Safe, Secure and Credible?
Securities trading services are provided by Open to the Public Investing, Inc., a wholly-owned subsidiary of Public and a FINRA- and SEC-registered broker-dealer. Open to the Public Investing, Inc. is also a Member of Securities Investor Protection Corporation (“SIPC”). SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). More details, including an explanatory brochure upon request, are available at www.sipc.org. Public is also fully backed by the investors behind Venmo and Facebook and we are located in New York City. If you ever have any questions or concerns, then please feel free to reach out to our friendly, knowledgeable, and fully Licensed & Registered Support Team at support@public.com. 🔒
Have additional questions about Public?
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