Start a solo 401(k) plan
A retirement plan tailored for solopreneurs.
Maximize your savings, reduce your taxes, and take control of your financial future. Ideal for self-employed professionals and owner-only businesses whose only employee is their spouse.
Discover the benefits of a solo 401(k)
Leap ahead in 2024 with a Human Interest solo 401(k), which allows contributions up to nearly 10x the amount of an IRA.
Maximize contribution ceiling
Supercharge your retirement savings with a 2026 contribution ceiling set at $72,000, enabling you to maximize tax-advantaged growth.1
Maximize tax savings
Contributions to a solo 401(k) can reduce your taxable income now, while earnings grow tax-deferred until you take distributions in retirement.
Open fund architecture
Embrace the freedom to diversify with our solo 401(k) plan, featuring an extensive selection of funds that help cater to your unique investment strategy and retirement vision.
A solo 401(k) plan that can scale with your business
Our solo 401(k) plan is designed for small business growth. It offers a flexible structure that adapts as you hire employees, ensuring compliance without the complexities of nondiscrimination testing and payroll adjustments.
A Human Interest solo 401(k) plan provides a hassle-free solution for ambitious, growing businesses.
From solopreneur to six figures
Scale your business with a Human Interest Solo 401(k)
Read the story of Epaulette, a consulting agency founded by one woman who wanted a solo 401(k) to get her business off the ground...
Human Interest solicited client for testimonial. Solicitation may make a client more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others, and past success does not guarantee future results. Read our full disclosures here.
Solo 401(k) plan eligibility
Who qualifies for a solo 401(k)?
Self-employed professionals and entrepreneurs with no full-time employees other than their spouse, including sole proprietors, independent contractors, and owners of corporations and LLCs.
Solo 401(k) contribution limit
How to maximize your contribution limits
If you're a business owner without any employees, you're wearing two hats as the employee and the employer. Here's what that means for your contributions in the 2026 tax year:
Elective deferrals: Think of this as your personal contribution. You can stash away up to 100% of your earnings with a cap of $24,500. Over 50? You can get a bit of a bonus, pushing your limit to $32,500.
Employer contributions: As an employer, you can contribute up to an additional 25% of your compensation on behalf of your business.
Note: Contributions are limited to $72,000 for 2026. This means if you take the full $24,500 for the elective deferral, you are limited to making $50,000 in employer profit-sharing contributions.1
Don’t wait to start saving for your future
Sign up for a solo 401(k) in under 10 minutes today.
Get StartedAward-winning 401(k) provider
G2 Leaders as of 8/15/25. To qualify a product must place in the “Leaders Quadrant" of the G2 Grid at the end of the quarterly evaluation period. The G2 Grid maps qualifying companies into quadrants based on User Satisfaction rating and a Market Presence score that considers data from online sources, including, among other criteria, the amount of reviews and web presence. A product must have 10 reviews to be considered. In this period, 6 out of the 22 products listed in the 401(k) software category on G2 qualified. During this period, Human Interest solicited clients for G2 reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. From 5/25/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher nominal value was offered for non-anonymous reviews. The G2 Grid is updated daily. View g2.com for the most recent grid results, here for full methodology, and our reviews for most recent rating.
TrustRadius Rating of 8.7 out of 10, as of 8/15/25. Ratings fluctuate in real-time. Visit here for most recent rating. Human Interest solicited clients for reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. From 8/23/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete reviews. “Top Rated 2023” award criteria: based entirely on customer reviews, 10 reviews required, trScore of 7.5 or higher, and must earn >0.5% of all site traffic in the category.
Human Interest was awarded the “Gold Stevie Award" medal in the 2025 Stevie AwardsⓇ for Sales & Customer Service in “Customer Experience.” The company was awarded a “Silver Stevie Award” in “Customer Service Employer of the Year.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations: https://stevieawards.com/sales/2025-stevie-award-winners#CustomerServiceTeam and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.
These recognitions are not indicative of Human Interest’s future performance. Read our full disclosures here: www.humaninterest.com/disclosures/.
