Log In to your account to contribute additional money to your IRA.

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If you do not have an existing IRA with T. Rowe Price, you may Open a New IRA.

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View current contribution limits.

Log In to view the dollar amount of your current and prior-year IRA contributions.

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Log In to your account to view pending transactions.

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Log In to your account to view and cancel pending transactions.

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Note: Transactions may be canceled until the market close (usually 4 p.m. ET) on their trade date. Once the market has closed on the trade date, the transaction can no longer be canceled.

Transactions are posted overnight, and the exact time of completion varies, but you generally should be able to view most trade information on the next business day following the trade date.

Because exchanges are a two-step process (a redemption and a purchase), the purchase may appear in the Account Access section later than the redemption. If you do more than one exchange on the same day, your exchanges may not be available for viewing at the same time.

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  1. Your account must have purchase privileges established.
  2. Your banking information must be on file for at least 10 calendar days before a purchase can be made from that bank account.


  1. Your account must have exchange privileges established.
  2. Both accounts must be identically registered (unless you are making an IRA contribution from a non-IRA).
  3. An exchange into a new fund must be conducted with a representative if the existing account has:
    1. Automatic investing through payroll deductions
    2. Monthly redemptions or systematic withdrawals (IRAs only)
    3. Dividends invested in other funds
    4. An additional mailing address for account statements
    5. Dividends mailed to a third party.


  1. Your account must have redemption privileges established.
  2. If you want to receive your proceeds through Automated Clearing House (ACH) or wire, your bank information must be on file for at least 10 calendar days before a redemption can be made.
  3. If you want to receive your proceeds by check, your address of record must not have been changed within the past 15 calendar days.
  4. Some funds charge redemption fees. Please see the prospectus for more information.

Log In to view or update your account:

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If you are wiring funds to T. Rowe Price into a retail mutual fund account (non-401(k)), a T. Rowe Price College Savings Plan 529 account, or a University of Alaska College Savings Plan 529 account, please use the following information:

Bank Name: Bank of New York, N.A. (New York)

  1. ABA Routing Number: 021000018
  2. Beneficiary Name: T. Rowe Price plus the fund name (e.g. Equity Income Fund, Prime Reserve Fund, etc.) or multiple funds
  3. Beneficiary Account Number: 8900624809
  4. Originator to Beneficiary Information (OBI): Shareholder's account registration and number (account number must be included)

Note: Instructions on how to purchase funds should be included in the OBI for IRAs as the shareholder can specify a current- or prior-year contribution as well as a rollover.

If you are wiring funds to T. Rowe Price into a Maryland College Investment Plan 529 account, please use the following information:

  1. T. Rowe Price Services, Inc.
  2. Bank Name: M&T Bank (Buffalo, NY)
  3. ABA Routing Number: 0220-0004-6
  4. Account Number: 970241438
  5. FBO (account number)
  6. SWIFT Code for International Wires for M&T: MANPUS33

Note: Wires can be used to fund a new account or to make additional purchases into existing accounts. If funding a new account, the new account must be established before sending the wire. When sending an international wire, the wire must first be sent through a U.S. correspondent bank. Each foreign bank has a corresponding U.S. bank that they process wires through.

Bank Address:
M&T Bank
110 S. Paca Street
Baltimore, MD 21201

  • A purchase (buy) is the act of investing money into a new or existing account.
  • A redemption (sell) is a request to sell shares of a mutual fund. Redemptions may or may not result in capital gains.
  • An exchange is a request to sell money from one account and invest it into another identically registered account in a different fund. Log In to place a transaction in your account.

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Trades can be entered in various methods.

  1. When a trade is entered in dollars, the amount of the trade is the exact dollar amount requested.*
  2. When a trade is entered in shares, a specific share amount will be traded, and the actual dollar amount may fluctuate based on share price on the day of the trade.
  3. When a trade is entered for all shares, the entire value of the account will be traded, and the account will be left with a 0 balance.*

*Accounts are always subject to market fluctuation. If the dollar amount being requested is close to the value of the account, the account balance may fall below the requested dollar amount and cause a delay in the trade. "All shares" is an option that should be considered in this scenario.

T. Rowe Price makes it easy to compare a Roth IRA to a Traditional IRA to see what best fits your retirement savings plan. Our Traditional IRA vs. Roth IRA Tool helps you select the appropriate IRA type for your age, marital status, and annual income. You can also browse our IRA information page for a general comparison.

Your RMD is calculated by dividing your account balance on December 31 of the previous year by your age-based factor for the calculation year. Your age-based factor can be found using one of the following IRS Life Expectancy tables: Table 1, Table 2, Table 3. Since these factors change each year, your RMD must be recalculated every year.

Use our online RMD Calculator to estimate your distributions.*

For additional information and tools, see the RMD Basics information on our website.

*This calculator is for informational purposes only. Your actual RMD amount may differ. Please contact a T. Rowe Price retirement specialist at 888-421-0563 if you have questions.

Although the IRS allows you to take all IRA assets into account with this calculation regardless of where they are held, the personal RMD calculations provided by T. Rowe Price are based only on the assets that are currently held at our firm.

When you sell shares in a non-retirement mutual fund by selling or exchanging, a taxable event occurs. For specific information on what tax implications may apply, visit the Tax Issues for Mutual Fund Investors page.

In general, distributions from a traditional IRA are taxable in the year you receive them. Distributions from your traditional IRA may be fully or partly taxable as ordinary income, depending on whether your IRA includes any nondeductible contributions. If you are under the age of 59 ½, you may be subject to a 10% early withdrawal penalty as well.

For a Roth IRA, a qualified distribution is generally not a taxable event. If you receive a distribution from your Roth IRA that is not a qualified distribution, part of it may be taxable. If you are under the age of 59 ½, you may be subject to a 10% early withdrawal penalty.

Please consult a tax advisor for assistance on actual taxes owed.

There are a number of ways to initiate an online Brokerage trade. After you login to your accounts, you will be initially directed to the Accounts & Activity Summary page. From this page you may use the Actions drop-down adjacent to the account to select a trading option, (Stock, Mutual Fund or Option). You may also click on the account to access the Account Details page, or the Positions link to view all current holdings in the Brokerage account. From Account Details and Positions, a prominent Trade section with links to Stock, Mutual Fund or Option order entry pages, appears at the top right side of the screen.

Alternatively, after login you may also select Transact & Trade in the top navigation bar to begin the process of entering a brokerage trade. If you have multiple brokerage accounts, you will be prompted to select the appropriate account from the drop-down menu before proceeding to the Stock, Mutual Fund or Option Order entry pages.

For detailed instructions, including tutorials and definitions of terms, refer to Help, available via the icon at the top right center of each Brokerage page.

Please note: Employ the Stock order function to enter an order for an Exchange Traded Fund, or ETF.

Premium commission rates of $9.95 for online stock trades, and $9.95 plus $1.00 per contract for online option trades, are available for qualified accounts. These rates apply to Brokerage customers who have executed more than 30 trades in the prior year or who qualify for Preferred Services, Personal Services or Enhanced Personal Services with T. Rowe Price. All other customers are entitled to our standard low commission rate for online stock and option orders: $19.95 for online stock trades, and $19.95 plus $1.00 per contract for online option trades. For complete details and additional commission information, select the following link.

The bid price represents the price potential buyers are willing to pay for a security, while the ask price is the price at which a security is offered for sale. In a stock quote, for example, there is a bid/ask spread, which conveys the difference between what buyers are willing to pay and what sellers are asking. The rule of thumb is that if you are selling a stock, you will generally receive the current bid price. If you are buying, you must pay the current ask, or offer, price. For additional information regarding the bid/ask spread, contact a Brokerage representative at 1-800-225-7720.

While T. Rowe Price Brokerage provides trading capabilities for many mutual funds, mutual funds subject to a front-end or back-end load (sales charge) cannot currently be traded online.

To purchase additional shares of a non T. Rowe Price fund held in your account, or to request a redemption or exchange, please contact a representative at 1-800-225-7720. There is no additional charge to place a mutual fund transaction with a representative.

Assuming sufficient funds or shares are available in the account, market orders placed between 9:30 a.m. and 4 p.m. ET are executed immediately, unless there is an extenuating circumstance and trading is halted for a particular security. Details of all trade executions are posted on Order Status and History within 30 seconds after execution.

Brokerage account history as of the previous day is available in the Accounts & Activity / Activity section of Account Access. From the Transaction History section of this page, you may select View All Transaction History to retrieve a consolidated history for all of your T. Rowe Price Mutual Fund and Brokerage accounts.

Intra-day brokerage activity is available via Brokerage Order Status and History pages. To access intraday history or account activity, click the desired account number from Accounts & Activity / Summary or Balance Details.

A new navigation bar will appear including a link to both Order Status and History. These functions offer a real-time view of intra-day open and / or pending orders, and transactions that occurred in the Brokerage account. The default view for History is all activity for the previous seven days, which includes transactions posted to the account intraday. You may use search criteria filters to expand or narrow your search and view activity by symbol, time period, or a custom date range. History for the current and prior year is available online, and details of orders already executed the same trading day also appear in Order Status. If you have multiple brokerage accounts, use the select another account drop-down located at the top left of each page to navigate between accounts and view specific information.

For detailed instructions including tutorials and definitions of terms, refer to Help, available via the icon at the top right of each page.

All stock trades settle in three business days, in or out of the accompanying money market sweep account. Option trades and many mutual fund trades settle the following business day. Prior to settlement, pending debit or credit balances are represented on Account Details in the Key Values table as Trade Date Balance.

To identify a specific lot, or the purchase date, of shares you are selling through the Account Access system, choose the Edit Tax Lot link on the initial Stock Order screen. This will redirect to a new page from which you may choose from lots held in that specific account.

The Account History screen provides a default view of all transactions that occurred in the specific account within the previous seven days. To filter your view and access records of all trades executed in the current calendar year, select All in the Transaction Type drop-down menu, for the Time Period of Current Year and click update.

To perform a symbol search, select Look up Symbol in the Research & Analysis section of the Market Summary box, which appears on every Brokerage page. For stock symbols, enter the name of the company whose symbol you wish to locate and select Lookup to view a page with a master list of related symbols and corporate names. Simply move your mouse over the symbol and select the function you are interested in performing relative to the symbol or click Trade / Stock to place an order.

T. Rowe Price Brokerage margin specialists will notify margin customers by phone and e-mail if their accounts have outstanding margin calls. In addition, on the Account Details page the Key Values / Margin Account section include fields for House Call Surplus, NYSE Surplus, and Total Fed Call. If there is an outstanding margin call, the amount will be indicated in one or more fields. If your account becomes subject to a margin call but subsequently improves, margin call designations may temporarily indicate there is no call as a result of a change in market conditions. The original call may still be in place however, due on the original date, and valid if your account value again drops below the required equity level.

The account balance found on the Accounts & Activity Summary and Balance Details pages represents Total Equity in your Brokerage account(s). The equity balance is calculated by factoring any pending debit or credit balance from the previous business day's closing portfolio value (portfolio value - /+ debit/credit balance). The pending debit or credit balance represents the total of all recent unsettled purchases.

A negative figure may appear if the total dollar amount of trades pending settlement exceeds the previous business day's closing market value in the Brokerage account(s).

To subscribe to paperless delivery of statements and confirmations, select Profile & Preferences in the top navigation bar, and access the E-Delivery section. Your current subscription profile is displayed along with a list of all e-delivery programs. Select Update E-Mail Delivery to enroll. You may also subscribe to Brokerage Alerts or eProxy Notification services through links in that section.