Trusted by 47,000+ businesses¹
Solo 401(k) plans built for self-employed professionals.
We listened and built what solopreneurs actually need — a full-service 401(k) that reduces your workload, lowers your compliance risk, and helps you save money.
Discover the benefits of a solo 401(k)
Easy administration, covered compliance, dedicated service, a delightful experience, and simple pricing — designed to run seamlessly in the background so you can focus on your business.
Maximize contribution ceiling
Supercharge your retirement savings with a 2026 contribution ceiling set at $72,000, enabling you to maximize tax-advantaged growth.2
Don't take on a second job.
Your provider should handle the work of running your plan, not you. Spend minutes per month, not hours.3
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.
Count on customer service
Dedicated U.S.-based customer service held to measurable standards, or you get compensated.
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 retirement vision.
Get simple, predictable pricing
Flat monthly fees to run your plan. If a comparable plan costs less, that price should be matched.
You run your business. We run your plan.
Design your plan
Pick a popular option or customize your own.
Connect your payroll and bank account
Find your payroll provider from our 600+ integrations and link your bank account.
Human Interest handles the rest
Compliance, IRS filings, co-fiduciary oversight, employee support, and more.
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.
Safe harbor 401(k) retirement resources
The Complete Guide to Solo 401(k)s: Eligibility & Setup for 2026
401(k) Provider Comparison Guide
401(k) contribution limits for 2026: What's the maximum you can save?
Your 401(k) provider should do the work
That's why we launch 1 in 3 new 401(k) plans, the most of any provider4
Award-winning 401(k) provider
These recognitions are not indicative of Human Interest’s future performance. Read our full disclosures here: www.humaninterest.com/disclosures/.