Does Autopilot work with a Roth IRA or a traditional IRA?

I'm Chris, one of the co-founders of Autopilot. This one gets asked constantly and it depends on your brokerage and your account type, not on us. Here's what decides it and how to check in about a minute.

One thing first, because we're an SEC-registered investment adviser and I have to say it. Autopilot is the app. The actual investment advice comes from Autopilot Advisers, LLC. If you want the full legal version of anything in here, it's on our disclaimer page.

What actually decides it

Two things, and neither is a policy we set.

Whether your brokerage supports the connection at all, which varies by firm. And whether your brokerage permits third-party trading authorization on that specific account type. A brokerage can support a taxable account and not a retirement one, or require a different authorization form for retirement accounts, because retirement accounts are governed by different rules and paperwork.

The help center puts it plainly: availability can vary by account type, and a common reason a connection fails is that the account type isn't supported. That's the sentence to keep in mind.

How to check, rather than guess

Open the app's connect screen and look for your brokerage and your account. That screen reflects what's actually available to you, which no article can. If the account doesn't appear, that's the answer for now. If you want it confirmed for your specific firm and account type, message support in the app, and they'll tell you rather than guess.

I'd rather point you there than publish a list that goes stale. The brokerages that work and the ones with extra steps change, which is why Which brokerages does Autopilot support sends you to the same place.

The tax point worth understanding either way

A retirement account changes the tax math of following a Portfolio, and it's the part people don't think about until later.

In a taxable account, every rebalance and every Portfolio change can create a taxable event. In a tax-advantaged account, the same activity generally doesn't. That difference matters most for high-turnover Portfolios, the ones that reassess weekly or monthly, and least for slow ones.

So the strategy that's a poor fit for a taxable account can be a reasonable one in a retirement account, and vice versa. The longer version is in Autopilot and taxes. I'm not a tax advisor and neither is Autopilot; talk to one about your own situation.

If your account isn't supported

Don't move a retirement account just to use an app. That's a bigger decision than a subscription, it can have tax and fee consequences, and it's exactly the kind of thing to talk to a professional about first.

Frequently asked questions

Does Autopilot work with a Roth IRA?

It depends on your brokerage and whether that firm permits third-party trading authorization on that account type. The app's connect screen shows what's available to you, and support will confirm for your specific firm.

Can I use Autopilot with an IRA?

Availability varies by brokerage and by account type. Check the connect screen in the app rather than trusting any published list, including this page.

Can I follow a portfolio in my retirement account?

Where the account type is supported, yes, and the tax treatment of rebalancing is generally better than in a taxable account. Where it isn't supported, the brokerage is the constraint.

Does Autopilot support retirement accounts?

Some brokerages and account types, not all, and it changes. The connect screen in the app is the accurate answer. Don't move a retirement account just to use an app.

Start Investing

Since Autopilot Advisers is an SEC-registered investment adviser, we have to put disclaimers on stuff like this. They're below, and the full version is on our disclaimer page.

Disclosures

© Autopilot Holdings Corporation 2026 — All rights reserved. “Autopilot” refers to Autopilot Holdings Corporation and its wholly-owned, and separately managed subsidiaries, including Autopilot Advisers, LLC, an SEC-registered investment adviser. All investing is subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. View our Customer Relationship Summary and other important information at joinautopilot.com/disclaimer.

This information is provided by Autopilot for educational and illustrative purposes only and is not a recommendation, an offer to sell or the solicitation to buy any security. Autopilot relies on information from various sources believed to be reliable, including information from Clients, Pilots and other third parties, but cannot guarantee the accuracy or completeness of that information. Autopilot does not provide tax or legal advice and you are encouraged to consult with professionals before making investment decisions.

Autopilot is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and time horizon before investing through Autopilot.

Autopilot Advisers, LLC is an SEC-registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Autopilot is available in our Form ADV Part 2A, available at adviserinfo.sec.gov or joinautopilot.com/adv.

Autopilot provides limited investment advisory services focused on Portfolio selection and suitability assessment. Our services are not intended to replace comprehensive financial planning. We recommend consulting with a qualified financial advisor regarding your complete financial situation.

This content is provided for educational and informational purposes only. It does not constitute investment, legal, or tax advice and should not be relied upon as the basis for any investment decision. You should consult with qualified professionals regarding your specific circumstances.

Autopilot does not provide tax, legal, or accounting advice. You should consult with qualified tax and legal professionals regarding your specific circumstances.

Autopilot does not hold client assets. All investments are held at the brokerage firm you select and connect to Autopilot. Your brokerage firm is responsible for trade execution, custody, and reporting. Autopilot is not responsible for your broker-dealer’s services, fees, or execution quality.

Autopilot’s services depend on technology systems, third-party APIs, and internet connectivity. System outages, API disruptions, or connectivity issues may temporarily affect service availability or trade execution timing.

Client account holdings are designed to track the Portfolio you’ve selected, but your actual holdings and performance may differ from the Portfolio due to execution timing, market conditions, brokerage capacity constraints, fractional share availability, and other factors outside Autopilot’s control.

For Portfolios inspired by publicly disclosed trading activity, there may be a delay between when a Pilot executes a trade and when that trade becomes publicly available and is incorporated into the Portfolio. This timing delay may affect the suitability or performance of trades when executed in client accounts.

Brokerage and account-type availability are determined by your brokerage and may change; the Autopilot app's connect screen is the accurate source as of any given date. Autopilot does not provide tax or legal advice. Retirement accounts are subject to rules and tax treatment that differ from taxable accounts; consult a qualified tax professional about your own situation.