Open Solo 401(k) →
Solo 401(k) for builders • IRS approved • 2026 limits live

Retirement,
REFACTORED
for developers.

You ship code. We ship tax-free wealth. Open a Solo 401(k) in 11 minutes, stash up to $70,000/yr, cut your tax bill by 5 figures and invest like a VC — index funds, stocks, even crypto.

Deploy my 401(k) → Read the docs
14,200+devs onboarded
$412Massets sheltered
$18,400avg. tax saved / yr
4.9★from 3,100 reviews
retire.js — developer401k.com
// freelance income: $185,000
const me = new Developer401K({ role: 'indie_hacker' });
me.contribute({ employee: 23500, employer: 34200 });
me.invest(['VTI', 'QQQ', 'BTC 5%']);
// → taxesSaved: $18,412, freedom: true
await me.retireEarly(47);
Balance$128,430▲ +24.8% YTD
Tax saved$18,4122025 return
Freedom date203912 yrs early
{ } SOLO 401(K) UP TO $70,000• MEGA BACKDOOR ROTH• $0 SETUP THIS WEEK• IRS + DOL COMPLIANT• CRYPTO WINDOW• { } SOLO 401(K) UP TO $70,000• MEGA BACKDOOR ROTH• $0 SETUP THIS WEEK• IRS + DOL COMPLIANT• CRYPTO WINDOW
Developer workspace with code for 401k planning
LIVE COMPOUNDING
$1 invested at 28 → $16.4 at 65
📈
Remote developers collaborating
Code editor close up
// 01 — ABOUT DEVELOPER401K

We were tired of 401(k)s built for middle managers.

Developer401k.com started in 2019 when two ex-Stripe engineers got a $42k tax bill as 1099 contractors. Traditional advisors quoted 1.2% AUM and pushed mutual funds from 1998. So we built the retirement stack we wanted: API-first, flat-fee, self-directed, and explained like good documentation.

Today we're the #1 Solo 401(k) provider for tech workers — freelancers, contract engineers, open-source maintainers, OnlyFans devs, indie SaaS founders, fractional CTOs and DAO contributors. No suits. No 2-hour seminars. Just clean UX, real tax engineers, and max contributions.

2019 — git init
Launched Solo 401(k) with e-signature plan docs + EIN automation. First 100 YC founders.
2022 — scale
Added Mega Backdoor Roth, crypto window, and free tax-loss harvesting. Passed $100M AUM.
2026 — today
14,200+ developers, S-corp optimization, audit defense included. Still $0 AUM fee.
How it works →See pricing
// 02 — FEATURES

Everything a W-2 never gave you.

One plan. Two contribution hats. Infinite compounding. Built for 1099, S-corp, LLC and C2C income.

Try calculator ↓
💸

Contribute $70,000/yr

2026 IRS limits: $23,500 employee + 25% employer profit share. 50+? Add $7,500 catch-up. That's 10x a Roth IRA. Our engine auto-calculates your max to the dollar.

→ INCLUDES MEGA BACKDOOR ROTH
🧾

Erase $12k–$24k in taxes

Pre-tax contributions lower QBI + income tax. S-corp owners get custom payroll integration. We generate Form 5500-EZ, plan docs and audit trail automatically.

→ CPA-REVIEWED, IRS COMPLIANT
📊

Invest like you code: open

Zero-fee brokerage window: VTI, QQQ, AVUV + individual stocks. Optional 5-10% self-directed crypto. Model portfolios from 60/40 chill to 100% degen growth.

→ 0% AUM, 0.03% FUND FEES
⚡

11-minute setup, $0 paperwork

EIN, plan adoption agreement, beneficiary designations, rollovers from old 401(k)/IRA — all e-signed. Chat with a human tax engineer 7 days a week.

→ MEDIAN ONBOARD 11:04 MIN
🔐

Borrow from yourself

Need runway for your SaaS? Take a $50k loan from your own 401(k), pay interest to yourself, no bank, no credit check. Plus hardship + Roth ladder playbooks.

→ LOANS + EARLY ACCESS GUIDES
🤖

Automations for lazy wealth

Auto-contribute % of every Stripe payout, auto-rebalance quarterly, auto Roth conversions in low-income months. Set and forget, like a cron job for money.

→ STRIPE / GUSTO / WISE SYNC
// 03 — DEPLOY PIPELINE

From 1099 to $70k in 3 commits.

STEP 01

git clone your income

Tell us: 1099, S-corp or LLC? Connect Stripe / bank. We determine eligibility in 60 seconds and pick Traditional vs Roth mix for lowest lifetime tax.

STEP 02

npm run open-401k

E-sign IRS-approved plan docs. We file EIN if needed, open brokerage + Roth accounts, and initiate free rollovers. Most devs finish during a coffee build.

STEP 03

ship --auto-compound

Set % per invoice. Watch dashboard compound. Get annual 5500 filing, contribution reminders and 1:1 Roth conversion calls every December.

Developer monitor with financial code
REAL USER TERMINAL
“I saved $21k in taxes year one. That’s a new Mac Studio + Bali.” — Alex, contract iOS dev
// 04 — INTERACTIVE

How much can you stash?

Drag the slider. This is pre-tax power, not financial advice — but math is math.

Assumes S-corp / sole prop, 24% marginal bracket, 8% growth. Employee $23,500 + ~20% profit share. Roth option available for tax-free withdrawals.

Claim this max →
YOUR 2026 MAX CONTRIBUTION
$53,500
EST. TAX SAVED
$12,840
AT 65 (8% CAGR)
$3.1M
// 05 — PRICING

Flat fee. No AUM vampires.

Advisors charge 1% forever ($280k lost over 30 years). We charge flat. Cancel anytime, keep your accounts.

SOLO STARTER
$0/mo + $299 once

For first freelance check

✓ Solo 401(k) plan docs
✓ Traditional + Roth accounts
✓ Contribution calculator
✓ Email support

Start free →
● MOST POPULAR — BUILDER
$29/mo

For $80k–$300k earners

✓ Everything in Starter
✓ Mega Backdoor Roth automation
✓ Free rollovers + 5500-EZ filing
✓ Crypto window + loans
✓ Annual tax engineer call

Deploy Builder →
SCALE + S-CORP
$79/mo

For founders & high earners

✓ Everything in Builder
✓ S-corp payroll + QBI optimization
✓ Spouse 401(k) included (double to $140k)
✓ Audit defense + priority Slack

Talk to us →
// 06 — WALL OF LOVE

Devs who escaped the tax trap.

“Switched from SEP IRA ($16k limit) to Solo 401k ($58k). Literally 3.6x more. Why did no one tell me?”


— PRIYA S., ML CONTRACTOR, $210K/YR

“Setup while my tests ran. Rollover from old Coinbase 401k was handled. Dashboard is Linear-level clean.”


— MARCUS L., FULL-STACK FREELANCER

“S-corp + Mega Backdoor Roth saved me $23k last year. My CPA asked who did my plan. I sent her here.”


— JENNA K., INDIE SaaS FOUNDER
// 07 — CHANGELOG / NEWS

Money commits, weekly.

Tax law diffs, contribution limit bumps, Roth hacks and real portfolio teardowns. Written by engineers, reviewed by CPAs.

RSS vibes ↓
Iptv Desporto Portugal
Oct 27, 2026 • SOLO 401(K)

Iptv Desporto Portugal

IPTV for Developers: Cut Cable Costs, Watch Live Sports, and Protect Your 401k Budget If you’re a developer tracking every 401k contribution, expense …

READ ARTICLE →
// 08 — FAQ

Stupid questions? Only stupid taxes.

Short answers. For long answers, our tax engineers reply in < 3h.

Professional advisor
Am I eligible if I have a day job + freelance?

Yes! If you have any self-employed income (1099, C2C, side SaaS), you can open a Solo 401(k) for that income even with a W-2 401(k) elsewhere. Employee limits share across plans, but employer profit-share is extra.

Solo 401(k) vs SEP IRA vs Roth IRA?

Solo 401(k) wins for most devs: $70k vs $69k SEP (but with Roth option + loans + no pro-rata issues for backdoor Roth). Roth IRA is only $7k. Best stack: Solo 401(k) + Backdoor Roth IRA.

Can I invest in crypto, startups, real estate?

Brokerage window covers stocks/ETFs. Optional self-directed window allows up to 10% crypto (BTC/ETH) and checkbook control for angels. All inside tax shelter.

What if I hire employees later?

Solo 401(k) is for owner + spouse only. If you hire full-time W-2s, we free-migrate you to Safe Harbor 401(k) with same logins. No fees, no closure.

Is developer401k.com a fiduciary?

Yes. We act in your best interest, charge flat fees, never earn commissions. Custody via FINRA-member brokerages with SIPC insurance up to $500k.

// 09 — INIT CONTACT

Ready to `git push` your future?

Free 15-min eligibility check. No pitch, just math: we'll tell you your exact max and tax saving.

UPTIME 99.99% • SUPPORT 7 DAYS

Talk to a human who files 5500s for breakfast.

Mon–Sun 9am–9pm ET • Avg reply 2h 14m
Eligibility, rollovers, S-corp, Mega Backdoor — we love nerdy questions.

Read FAQ first → Learn via news →