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The SoFi Way
At SoFi, culture isn’t just words—it’s how we work together and push each other to do our best. Our culture is defined by The SoFi Way: a commitment from every employee to act as a founder, be a
relentless problem solver, and serve as a partner to our members and colleagues.
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Anthony Noto
Chief Executive Officer
We live our mission and values.
SoFi’s mission is at the center of how we serve our members, as we work toward helping them achieve financial independence to realize their ambitions. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way.
We’re better together.
We’re engineers, marketers, designers, and operations managers, with a diverse set of backgrounds and experiences. Every team’s purpose is to help improve our members’ lives so they can achieve financial independence. We support and care about our co-workers, work hard, build each other (and our products!) up, and have fun along the way.
Even more reasons to love SoFi.
We believe our people are our greatest differentiator. If we take care of you, you’ll take care of our members. We’ve built our programs, perks, and benefits around what you need to bring your best self to work.
You’re taken care of.
SoFi employees receive comprehensive health, vision, dental, life insurance, and disability benefits—as well as flexible time off, fitness, fertility, and family planning options.
Realize your ambitions.
We want to help our employees achieve financial freedom, just like our members. That’s why we contribute $200 per month toward your student loans to help pay down your debt—plus free financial classes.
Never stop learning.
We offer frequent training, mentorship opportunities, and leadership programs to develop our people. We also cover tuition costs for approved programs, up to $5,250 per year.
Hear from our employees.
“My team is in the middle of it all, building a compelling experience for providers of financial products, as well as for our users by suggesting the right financial products.”
Anjana J.
Manager, Engineering
San Francisco, CA
“As a software engineer, I’m regularly challenged to learn and iterate toward the right solution, and empowered by the tools I have to get the job done.”
Mike R.
Senior Software Engineer
Seattle, WA
“SoFi gives me the opportunity to have a positive impact on people’s lives. They also care about their members and their staff, and work hard to provide the best experience for both.”
Joy G.
Mortgage Loan Originator
Dallas, Texas
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Roth IRA vs Traditional IRA
SoFi > Online Investing > IRA Accounts > Roth vs Traditional IRA
Roth IRA vs. Traditional IRA: Which IRA is the right choice for you?
Saving for retirement doesn’t have to be complicated. Learn the difference between a traditional IRA and a Roth IRA and decide what’s right for you.
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Traditional vs Roth IRA: an overview.
While both traditional and Roth IRAs can be great ways to save for retirement, there are a few key differences. With a traditional IRA, you contribute pre-tax dollars and get an upfront tax deduction on qualified contributions. However, you’ll pay taxes on withdrawals during retirement. When contributing to a Roth IRA, you pay taxes up front but qualified withdrawals in retirement are tax-free. Traditional IRAs have required minimum distributions (RMDs) starting at age 73, assuming you turn 72 after Dec. 31, 2022. Roth IRAs don’t have RMDs for the original account holder.
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Key differences between traditional and Roth IRAs:
See how Traditional and Roth IRAs compare side-by-side in the table below.
Find the perfect fit for your financial goals.
Traditional IRA |
Roth IRA |
||
|---|---|---|---|
Pay taxes on withdrawals |
Yes | No | |
Contributions |
Made with pre-tax dollars Details on Traditional IRA Contribution Limits |
Made with after-tax dollars Details on Roth IRA Contribution Limits |
|
Potential earnings |
Grow tax-deferred until withdrawal | Grow tax-free | |
Tax deductible |
Yes, if you meet income requirements | No | |
2025 contribution limits |
If you’re under 50: $7,000 If you’re 50 or older: $8,000 |
||
2026 contribution limits |
If you’re under 50: $7,500 If you’re 50 or older: $8,600 |
||
2025 income limits (for full contribution) |
None | If you’re single: $150,000 If you’re married: $236,000 |
|
2026 income limits (for full contribution) |
None | If you’re single: $153,000 If you’re married: $242,000 |
|
Required minimum distributions |
Generally required at age 73 | None | |
Early withdrawal penalties |
If before age 59 ½, may require you to pay taxes on earnings, plus 10% penalty | No penalties on contribution amounts, but earnings are subject to taxes and a 10% penalty for early withdrawal. | |
Tip: Use our IRA contribution calculator to determine
how much you can contribute.
Roth or traditional: Which IRA is right for you?
Take our personalized quiz and find the IRA that perfectly aligns with your retirement goals.
When to choose a traditional IRA:
If you expect to be in a lower tax bracket when you retire compared to your current one, and you qualify for the tax deductions, a traditional IRA might be right for you.
When to choose a Roth IRA:
If you expect to be in a higher tax bracket when you retire compared to your current one, and you meet the income eligibility criteria, a Roth IRA might be a good choice for you.
FAQ
Which is better, a Roth or Traditional IRA?
A Roth IRA may be better if you expect to be in a higher income tax bracket in retirement. That’s because with a Roth, you make contributions with after-tax dollars, the money in the account grows tax-free, and you generally withdraw the funds tax-free in retirement. A traditional IRA may be better for you if you expect to be in a lower tax bracket in retirement because you’ll pay taxes on withdrawals then. You can take deductions on your traditional IRA contributions upfront when you make them.
Am I eligible to open both a Roth IRA and a traditional IRA?
Yes, you’re able to open both a Roth IRA and a traditional IRA as long as you meet the income and contribution limits for both.
Can I roll over funds from one IRA type to another?
Yes, you can move funds from a traditional IRA to a Roth IRA by completing a rollover IRA. While less common, you can also rollover Roth funds to a traditional IRA. Since these may be a taxable events, we recommend that you speak to a tax advisor.
What happens to my IRA when I reach retirement age?
You can typically begin taking withdrawals from a traditional or Roth IRA when you reach age 59 ½. For a traditional IRA, you must begin taking required minimum distributions (RMDs) at age 72, or 73 if you turn 72 after Dec. 31, 2022. For a Roth IRA, there are no RMDs during your lifetime and qualified distributions are tax-free.
What are the benefits of opening a SoFi Invest IRA compared to other institutions?
With a SoFi traditional or Roth IRA, you:
• Don’t have to pay any account fees or have minimum contributions.
• Have access to a diverse range of investment options.
• Can tell us your goals and we’ll build a custom portfolio for you.
Get professional advice at no extra cost.
How can I get help choosing the right IRA with SoFi Invest?
Take the quiz above or talk to one of our Certified Financial Planner™ professionals to get an understanding of what retirement account options may be the best for you.
Article Sources
-
1 Internal Revenue Service.
“Retirement Topics – IRA Contribution Limits”
-
2 Internal Revenue Service.
“401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500”
Ready to start your IRA journey?
Start saving for retirement today with a traditional or Roth IRA. Not sure if a Roth or traditional IRA is better for you? Our no-cost financial planners can help you decide.
Open a Roth IRA
Open a Traditional IRA
Read more
Roth IRA Contribution Limits
IRA Accounts > Roth IRA > 2025-2026 Roth IRA Contribution & Income Limits
2025-2026 Roth IRA contribution and income limits.
The Roth IRA contribution limit for 2025 is $7,000 or $8,000 if you’re age 50 or older. In 2026, the limit is $7,500 or $8,600 for those age 50 and older. Maximize your retirement savings today.
2025 and 2026 Roth IRA contribution limits.
| 2025 contribution limits* | 2026 contribution limits* | |
|---|---|---|
| Under age 50 | $7,000 | $7,500 |
| Age 50 or older | $8,000 | $8,600 |
*Source: IRS Contribution Limits1, IRS 2026 Updates2
Tip: The annual IRA contribution limit applies to all your IRA accounts combined, including both Traditional and Roth IRAs.
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How to maximize your 2025 and 2026 Roth IRA contributions.
Prioritizing your Roth IRA contributions can be a smart way to boost your retirement savings and enjoy tax-free growth and withdrawals in the future. Here’s how you can make the most of your contributions:
Set up recurring contributions:
Automate your contributions by setting up automatic transfers from your bank.
Start contributing early in the year:
Time your contributions early in the year to maximize tax-free growth before IRA contribution deadlines.
Contribute the maximum Roth IRA amount:
You can contribute up to $7,000 in 2025 and up to $7,500 in 2026.
Take advantage of catch-up contributions:
If you’re 50 or older, you can contribute even more—up to $8,000 in 2025 and up to $8,600 in 2026. -
2025 Roth IRA income limits.
| Filing status | Modified adjusted gross income (MAGI) | Contribution limits |
|---|---|---|
| • Single • Head of household • Married filing separately (if you didn’t live with your spouse in 2025) |
Less than $150,000 | $7,000 (under 50) $8,000 (50 or older) |
| $150,000-$165,000 | Reduced contribution | |
| $165,000 or more | Not eligible to contribute | |
| • Married filing jointly • Qualifying widow(er) |
Less than $236,000 | $7,000 (under 50) $8,000 (50 or older) |
| $236,000-$246,000 | Reduced contribution | |
| $246,000 or more | Not eligible to contribute | |
| Married filing separately (if you lived with your spouse anytime in 2025) | Less than $10,000 | Reduced contribution |
| $10,000 or more | Not eligible to contribute |
Tip: For help determining your Roth IRA contribution limits,
use our simple IRA contribution calculator.
2026 Roth IRA income limits.
| Filing status | Modified adjusted gross income (MAGI) | Contribution limits |
|---|---|---|
| • Single • Head of household • Married filing separately (if you didn’t live with your spouse in 2026) |
Less than $153,000 | $7,500 (under 50) $8,600 (50 or older) |
| $153,000-$168,000 | Reduced contribution | |
| $168,000 or more | Not eligible to contribute | |
| • Married filing jointly • Qualifying widow(er) |
Less than $242,000 | $7,500 (under 50) $8,600 (50 or older) |
| $242,000 to $252,000 | A reduced amount | |
| $252,000 or more | Not eligible to contribute | |
| Married filing separately (if you lived with your spouse anytime in 2026) | Less than $10,000 | Reduced amount |
| $10,000 or more | Not eligible to contribute |
How high earners can manage income restrictions.
If you’re a high-income earner affected by Roth IRA income limits, there are alternative retirement savings options. You can:
• Max out contributions to a traditional IRA, which allows tax-deferred growth.
• Make after-tax contributions to a different retirement account—like a traditional IRA or 401(k)—and complete a backdoor Roth conversion. While more complicated, this legally allows Roth contributions when over the income limits.
Learn more: Roth vs Traditional IRAs
What happens if you exceed Roth IRA contribution and income limits?
You have options if you accidentally contribute too much to a Roth IRA or your income ends up being over the limits for that year. The worst-case scenario is the IRS will give you an excess contribution penalty, which is just 6% of the ineligible amount for each year it remains in the Roth account. You can easily avoid that tax by withdrawing excess contributions before your tax filing deadline, along with any earnings on that money. Just be sure to keep an eye on income limits and contribution caps—they change each year.
FAQ
How do contribution limits affect me?
Roth IRA contribution limits determine how much money, if any, you’re allowed to contribute directly to a Roth IRA each year. If you contribute too much or your income is too high, you could be subject to a tax penalty.
What if my income is above the limit?
If your income is above the limit for contributing directly to a Roth IRA, you can explore doing a backdoor Roth IRA contribution. This involves making an after-tax contribution to a traditional IRA and then converting those funds to a Roth IRA.
Can I contribute to a Roth IRA for my spouse?
Yes, you can contribute to a Roth IRA for your spouse, even if they don’t have any earned income for the year. This is allowed through a spousal Roth IRA contribution. As long as you’ve enough earned income to cover the contribution for both you and your spouse, you can fully fund both of your Roth IRA accounts up to the annual limits.
Can I contribute to a Roth IRA if I already contribute to a 401(k)?
Yes, you can contribute to a Roth IRA even if you already contribute to a 401(k) or other employer-sponsored retirement plan. Roth IRAs have their own separate contribution limits from other retirement accounts. As long as you have enough earned income and meet the Roth IRA income limits, you can max out contributions to both a Roth IRA and your 401(k) in the same year.
When do Roth IRA contributions need to be made for the tax year?
Roth IRA contributions for the year must be made by the tax filing deadline, typically around April 15. For example, contributions for the 2025 tax year must be made by April 15, 2026.
What happens if I contribute too much to my Roth IRA?
If you contribute too much to your Roth IRA, the excess contribution may be subject to a 6% penalty tax each year it remains in the account. To avoid this penalty, you must withdraw the excess contributions and any earnings on them by the tax filing deadline, including extensions, for that year.
Article Sources
-
1 Internal Revenue Service.
“Retirement Topics – IRA Contribution Limits”
-
2 Internal Revenue Service.
“401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500”
Get personalized retirement planning with SoFi.
If you’re ready to start planning for retirement, a Roth IRA with SoFi offers low fees, a variety of investment options, and a user-friendly investment platform. Plus, SoFi members have access to a team of Certified Financial Planner™. Our planners can help you decide the best investment options for your financial situation and goals.
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