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The Solo 401(k) from Rocket Dollar

The Solo 401(k) is the premier retirement savings plan account available for individuals with self-employment income. Secure your retirement with unlimited investment options, high contribution limits, and ultimate flexibility.

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The Solo 401(k) from Rocket Dollar | Self-Directed Solo 401(k)

What is a Solo 401(k)?

For those looking to get the most out of their retirement savings, the Solo 401(k) is the best option currently available. Those who qualify for the Solo 401(k) can contribute up to $70,000 annually (more if you're 50 or older) and invest in any asset allowed by the IRS, all while not paying an arm and a leg in fees.

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Learn more

Discover the benefits, contribution types, investment options, and eligibility requirements for this powerful retirement plan.

Read Our Guide
High Contributions

You can contribute up to $70k to your Solo 401(k) and take huge tax deductions.

Investment Options

There’s no preset menu of investments. Invest in anything allowed by the IRS.

Loan Capability

Borrow up to $50k from your Solo 401(k) and pay yourself back over time.

Tax Advantages

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

High Contributions
High Contributions

You can contribute up to $66k to your Solo 401(k) and take huge tax deductions.

Investment Options
Investment Options

There’s no preset menu of investments. Invest in anything allowed by the IRS.

Loan Capability
Loan Capability

Borrow up to $50k from your Solo 401(k) and pay yourself back over time.

Tax Advantages
Tax Advantages

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

All-you-can-invest retirement accounts

Enjoy customizing your retirement portfolio with the assets you care about. From crowdfunding and real estate to farmland and gold, if the IRS allows it, you can invest in it.

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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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Here's how easy it is to get started:

Rocket Dollar | Open an account
Step 1

Open

Choose the right account for you and sign up in under 5 minutes—completely online.

Rocket Dollar | Fund
STEP 2

Fund

Fund your Solo 401(k) account in just a few short days. Our support team is here to help initiate rollovers.

Rocket Dollar | Invest
STEP 3

Invest

From there, diversify. Making investments is as simple as writing a check—track it all on your dashboard.

Solo 401(k) Benefits & Pricing

Transparent pricing on a subscription basis.

Solo 401(k)

All the essentials plus premium service

$40/moper month

$600 one-time setup fee

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Gold Program
  • IRA Trust checking account (LLC available)
  • BYOD (Bring Your Own Deal)
  • 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 Investments:
  • Rental Properties
  • Fix-N-Flips
The Rocket Dollar Solo 401(k) | Ready to go Solo?

Ready to go Solo?

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Frequently Asked Questions

  • Am I eligible for the Self-Directed Solo 401(k)?

    In order to be eligible for the Self-Directed Solo 401(k) account, you must be self-employed and have no full-time employees. Further eligibility requirements and exceptions may be found here.

  • What is the maximum contribution to my Self-Directed Solo 401(k) in 2022 and 2023?

    Up to $69,000 ($66,000 in 2023) of tax-advantaged retirement dollars are allowed if you choose to maximize your personal and company contributions. Learn how Rocket Dollar can help you capitalize on these contributions.

  • Can I take out a loan from my Self-Directed 401(k)?

    The Self-Directed Solo 401(k) allows for loans. The loan option allows you to borrow from your own retirement funds, up to 50% of the plan value or $50,000, whichever is less. Solo 401(k) holders may use loans to pay off personal debt, fund a business, or use as the holder sees fit. If you’d like to take a loan from your 401(k), simply fill out the loan application we provide you on your Dashboard.

  • How quickly can I open and fund a Self-Directed Solo 401(k)?

    Rocket Dollar can open a Self-Directed Solo 401(k) in 2–4 weeks or 2 weeks with Rocket Dollar Gold.