Open a Solo 401k

A supercharged retirement plan designed for business owners

The Carry Solo 401k gives business owners the biggest tax advantages of any retirement plan. Contribute up to $66,000 and invest in any asset class through your solo 401(k) plan with tax-free compounding.

A retirement account unlike the rest

Contribute up to $66,000 into a Carry Solo 401k for 2023. That’s 10x more than an IRA, and 3x more than a normal 401k. Invest in any asset class through your plan with tax-free compounding, and never pay any fees for your assets under management.

Highest contribution limits

The Solo 401k has the highest contribution limit of any retirement plan type ($66,000 for 2023).

Total investment freedom

Invest in any asset class including stocks and ETFs, or alternative assets like crypto, NFTs, real estate, or private equity.

Tax-free compounding

Pay zero taxes on any income or profits generated from your investments. 100% of your profits go straight back into your account.

A Supersized Roth account

With a Roth account, withdrawals in retirement are completely tax-free. Contribute up to $22,500 through the Carry Roth Solo 401k for 2023.

Largest tax deductions

You can get a tax deduction of up to $66,000 for 2023 by making your entire contribution with pre-tax dollars.

Integrated brokerage accounts

No need to go out and open separate brokerage accounts. Easily open retirement plan brokerage accounts within Carry.

Freedom to choose

In addition to investing through the Carry app, your Carry Solo 401k plan allows you to open accounts at third party banks or brokerages for full checkbook control.

Unlimited rollovers

Fund your account by rolling over an unlimited amount of funds and assets from any other retirement plan that you already own (except a Roth IRA).

Mega Backdoor Roth

Carry has full support if you want to implement a mega backdoor Roth Solo 401k, which allows you to put up to $66,000 into a Roth account for 2023.

Advanced tax strategy


Personalized financial recommendations

Discover our customized financial plan designed for you and your specific needs, with access to ongoing advice from our financial advisors.

Only available on the Pro plan


Retirement and investment accounts, without AUM fees

Set up and manage your Solo 401k, IRAs, and brokerage accounts under one roof, without having to pay any AUM fees.


No-fee robo advisor

Answer a few simple questions and Carry’s intelligent robo-advisor will automatically build a smart, optimized portfolio for you. Set up a recurring monthly or weekly contribution and your entire financial life is now on auto-pilot, all for zero AUM fees.


Learn more about money with our courses

Dive into our comprehensive Carry course library, featuring topics from credit card points and estate planning for founders to small business accounting and beyond.

Ready to get started?

Basic Plan


  • Carry Solo 401k, Traditional IRA, Roth IRA, and brokerage accounts
  • Security and compliance monitoring
  • On-demand courses and training
  • No AUM fees
  • 30-day refund guarantee

Pro Plan

$999 $499/year

Everything included in the Basic Plan, plus:

  • Custom financial plan
  • Access to “Ask an Advisor”
  • Ongoing support and updates to financial plan

Try Carry for 30 days and if it isn’t for you, get fully refunded – no questions asked.

Trusted by top entrepreneurs, creators and money experts

“The process of opening a solo 401k used to be extremely complex, and you had to do most of the administration work yourself… I don’t normally get excited about retirement plans, but Carry is building something I’ve wanted to exist for a long time.”

Nate O’Brien

Investor & YouTuber

“There are now so many people who are self-employed, and Carry is building the perfect financial vehicle to help them turn their business income into generational wealth. [Carry] is so powerful and flexible that it feels like you’re getting access to a tax loophole.

Elizabeth Yin

Co-founder @ Hustle Fund

Social Squares

“Carry is the most intuitive experiences I’ve tried. I love how you can get set up and invest in just a few minutes. Every business owner, creator, and self-employed person should have one. The benefits and tax savings each year are a no-brainer.

Sebastian Fung

Owner, Ask Sebby

Why you need to use Carry

An all-in-one integrated platform

Carry is the easiest way to set up a solo 401k and start investing your money with tax-free compounding. You can open an account in under 10 minutes, and we take care of all paperwork and administration for you. No need to open separate brokerage accounts (unless you want to!) – it can all be done through your Carry account.†