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Guide

Invest in what you want with a self-directed IRA

A Checkbook IRA puts you in the driver's seat of your retirement investing, allowing you to go beyond stocks and bonds. Invest in real estate, startups, precious metals, and more!

  • Checkbook Control: No custodian delays or fees
  • Diverse Investments: Invest in anything allowed by the IRS
  • Tax-Advantaged: Grow your wealth tax-free or tax-deferred

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I am very pleased with the great level of service from Christopher Lindiakos and Daniela Mink of the Rocket Dollar support team. As their client, I have seen that they are very knowledgeable, professional, courteous, and answer my questions with clarity. I value quality service and I look forward to my upgraded account purchase with Rocket Dollar!
—Rocket Dollar Customer

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Fastest Account Setup in the Industry

Get started in under 5 minutes

Set up your account in 5 minutes or less.

Getting started is quick and easy. In under 5 minutes, you’ll open your Rocket Dollar account and gain instant access to your secure dashboard. From there, you can immediately initiate a contribution or begin transferring funds from another account to start investing.

Not sure which account type is right for you?
Learn More

Rocket Dollar does not provide tax, legal, or investment advice. We recommend consulting your legal, tax, or financial advisor before establishing a self-directed retirement account.

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Fund your account.

Easily transfer or roll over funds from another custodian. We’ll guide you through the process and help coordinate paperwork to minimize delays. Depending on your current custodian, transfers may take several business days to a few weeks. We are available to assist you from day one.

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Put your money to work.

Start investing as soon as your account is funded. With a Self-Directed IRA, you can invest in a variety of alternative assets including real estate, private equity, startups, cryptocurrency, precious metals, and more—subject to IRS guidelines.

The IRS limits certain investments and transactions in self-directed accounts. It’s up to you to follow the rules, but we’ve got resources to help. Check out our Prohibited Transactions FAQ and talk to your tax or legal advisor to stay on track.

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Rocket Dollar Reviews

Team was helpful as I navigated the SD IRA process.

★★★★★
Michael Bruynesteyn
Best decision ever to use these folks - can't beat the cost and they always get back quickly on any questions.

★★★★★
John Zabel
Love the value proposition of Rocket Dollar as well as the team, which works so quickly to help me get investments made quickly. Thank you!

★★★★★
Craig Cummings
Rocket Dollar made it extremely easy to set up my IRA LLC, and has a wide variety of knowledge base articles that make it painless to manage an IRA LLC!

★★★★★
Marcus Johnson
RocketDollar established a self-directed IRA in two weeks. Done in time to fund a time-sensitive investment, when another leading provider said I didn't have time to get it done.

★★★★★
Benjamin Rogers
This is being very good so far. Keep it up!

★★★★★
Dmitri Yudanov

SDIRA Benefits & Pricing

Lowest Fees in the Self-Directed Industry

Self-Directed IRA

The essentials you need to start investing

$30/moper month

$360 one-time setup fee

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Silver Program
  • All transactions go through the IRA custodian
  • Ideal for One-Time Investments - No Checkbook Control
  • Bring Your Own Deal (BYOD)
  • Domestic Investments Only
  • No AUM fees

Checkbook IRA

All the essentials plus complete control

$30/moper month

$600 one-time setup fee

Get Started Learn more
Most Popular
  • IRA Trust checking account (LLC available)
  • Unlimited fee-free transactions
  • No Custodian sign-off on transactions
  • Bring Your Own Deal (BYOD)
  • No AUM fees
  • Best For Ultimate Control of Investments:
  • Rental Properties
  • Fix-n-Flip
  • Tax Liens
  • Crypto (hold your keys)
  • Foreign Investments
  • Private Note Investing
  • Precious Metals
  • Limited Partnerships
  • Private Placements
  • Private Stock Purchases
  • Domestic Investments Only

Solo 401(k)

One participant, unlimited investment options

$30/moper month

$600 one-time signup fee

Get Started Learn more
Gold Program
  • IRA Trust checking account (LLC available)
  • Unlimited fee-free transactions
  • No Custodian sign-off on transactions
  • Bring Your Own Deal (BYOD)
  • No AUM fees
  • Ideal for folks with self-employment income:
  • High contribution limits
  • 401(k) loan option
  • Self-custody account
  • Roth and Traditional in one account
  • Domestic Investments Only
  • Best for Real Estate Investment
  • Rental Properties
  • Fix-N-Flips

How We Compare

Rocket Dollar Broad Financial IRA Financial
$600 setup fee $1,295 setup fee $900 setup fee
Monthly Fee: $30 ($360 annually) Quarterly Fee: $105 ($420 annually) Yearly Fee: $400 annually
Five year total: $600+(5*$360)=$2,400 Five year total: $1,295+(5*$420)=$3,395 Five year total: $999+$2000=$2999
Fast Transactions

Investing is as easy as writing a check. No more waiting for custodian approval.

Investment Options

No preset menu of investments. Invest in anything allowed by the IRS.

Transparent Pricing

No asset or transaction fees. Our pricing is simple. $600 registration fee and $30/month.

Tax Advantages

Enjoy deferred taxes, or no taxes, on all gains inside your Rocket Dollar account.

We take security seriously

Online security is no joke, and we take the trust our customers and partners put in us seriously. We are a SOC-2 certified company, and continuously update our systems to comply with best practices.

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Frequently Asked Questions

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Can You Use Your IRA to Invest in Real Estate?
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