Set Up Your
Solo 401(k)
in Minutes
Stop overpaying in taxes. A Solo 401(k) is the most powerful retirement tool for the self-employed — fast, simple, and IRS-compliant.
- Contribute up to $72,000 in 2026 — vs. $7,000 with a Roth IRA
- Roth, Traditional, and Mega Backdoor Roth options
- Invest in real estate, crypto, private equity & more
- IRS-approved plan documents included
📊 Your Estimated 2026 Savings
- Solo 401(k) Plan Document
- Adoption Agreement
- Plan Trust Document
- Roth Account Addendum
- Loan Provision
You're all set!
Thanks, ! We've received your information and will be in touch within 1 business day to walk you through your Solo 401(k) setup.
Set Up in 3 Easy Steps
We handle the complexity. Most clients have their plan documents within 24 hours.
Tell Us About Yourself
Fill out our short questionnaire — just your name, email, and business type. No lengthy applications.
We Prepare Your Plan
Our specialists draft your IRS-approved Solo 401(k) plan documents, customized to your goals.
Open & Start Saving
Open your plan account at the custodian of your choice and start making tax-saving contributions immediately.
Ongoing Expert Support
Annual filing reminders, compliance support, and expert answers — included with every plan.
More Power Than Any Other Plan
Compare Solo 401(k) to SEP-IRA, SIMPLE IRA, or a standard brokerage — and it's not close.
Highest Contribution Limits
Up to $72,000 in 2026 ($80,000 if age 50+) — ten times more than a Roth IRA.
Roth & Traditional
Choose pre-tax or post-tax contributions. Mega Backdoor Roth available too.
Alternative Investments
Real estate, private equity, crypto, gold — invest where your brokerage won't let you.
Loan Provisions
Borrow up to 50% of your balance (max $50,000) without penalties if you ever need access.
Annual Compliance
We handle Form 5500-EZ reminders and keep your plan in good standing every year.
Spouse Participation
Spouse earns income from the business? They can contribute too — effectively doubling your limit.
How Much Can You Save?
The IRS increased Solo 401(k) limits for 2026. Here's how they compare.
| Account Type | 2026 Limit | Roth Option | Alt. Investments |
|---|---|---|---|
| ✦ Solo 401(k) — Our Plan | $72,000 / $80,000 (50+) | ✓ Yes | ✓ Yes |
| SEP-IRA | $70,000 | ✗ No | Limited |
| SIMPLE IRA | $17,600 | ✗ No | ✗ No |
| Traditional / Roth IRA | $7,000 / $8,000 (50+) | ✓ Yes | Limited |
* Consult a qualified tax professional regarding your specific eligibility.
What Our Clients Say
Join thousands of freelancers, consultants, and business owners who've taken control of their retirement.
"I was using a SEP-IRA for years. After switching to a Solo 401(k) through Mrs401k, I sheltered an extra $28,000 from taxes in year one."
"Setup was incredibly easy. I filled out a short form, got my plan documents within 24 hours, and their team walked me through everything."
"They reminded me about Form 5500 before I hit the $250k threshold. Another provider I looked at didn't even mention it. These folks know what they're doing."
Start Your Solo 401(k) Setup Today
Free consultation. IRS-approved documents. Expert support. Plans ready in 24 hours.