Open a Solo 401k

A Supercharged Retirement Plan, Designed For Business Owners

The Ocho 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. We meticulously crafted Ocho to be the simplest, easiest solo 401k experience you’ll ever have. Create your account, make contributions, and invest your funds all in one place through our minimal, intuitive dashboard.

Why You Need to use Ocho

An All-In-One Integrated Platform

Ocho 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 Ocho account.†

Unlock Tax-Advantaged Alternative Assets

Invest in traditional assets like stocks and ETFs through the app,† or take your Ocho Solo 401(k) plan to any third party custodian for full checkbook control to directly invest your money in alternative assets like real estate and crypto.

Pick and Choose Your Tax Savings Each Year

You get to decide whether you want to contribute with pre-tax dollars and get a tax deduction, or contribute into a Roth account for tax-free withdrawals in retirement. Deduct up to $66,000 from your taxable income, or put the whole amount into a Roth account. It’s entirely up to you.

The Biggest Roth Account Legally Possible

A mega backdoor Roth solo 401k lets you invest up to $66,000 entirely into a Roth account (10x more than a Roth IRA, and 3x more than what’s traditionally allowed with a 401k). A mega backdoor Roth is a complex procedure with many moving parts. With Ocho, we’re there for you every step of the way.

A Delightfully Easy Investing Experience

Create your account, make direct contributions, rollover assets, and invest your funds all in one place.† And if you need help, we’re here for full account administration assistance, plan support, and security & compliance monitoring.

What entrepreneurs say about using Ocho

Elizabeth Yin Co-founder @ Hustle Fund
“There are now so many people who are self-employed, and Ocho is building the perfect financial vehicle to help them turn their business income into generational wealth. As a team of entrepreneurs, Ocho understands the financial pain points of business owners on a deep level. The Ocho Solo 401k is a retirement plan so powerful and flexible that it feels like you’re getting access to a tax loophole.”
User: Ocho Solo 401k Plan
Nate O’Brien Investor & YouTuber
“The process of opening a solo 401k used to be extremely complex, and you had to do most of the administration work yourself. Ocho has built the modern version of the plan, adding in all the best features and offering full administration support. I don’t normally get excited about retirement plans, but Ocho is building something I’ve wanted to exist for a long time.”
User: Ocho Solo 401k Plan
Sebastian Fung Owner, Ask Sebby
“Ocho is the most intuitive solo 401k 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.”
User: Ocho Solo 401k Plan

A Retirement Account Not Quite Like The Rest

Contribute up to $66,000 into an Ocho 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 (including crypto, NFTs, real estate, and startups) with tax-free compounding, and with our optional integrated brokerage, never pay any fees for your assets under management. Enjoy all the benefits of the Ocho Solo 401k for just one low yearly fee.

Highest Contribution Limits

The Solo 401k has the highest contribution limit of any retirement plan type ($61,000 for 2022 – $66,000 for 2023).

Total Investment Freedom

Invest in any asset class including stocks and ETFs, or alternative assets through your plan 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 Ocho 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 Ocho.

Mega Backdoor Roth

Ocho 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.

Freedom to Choose

In addition to investing through the Ocho app, your Ocho Solo 401(k) 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).

World Class Support

Rely on the Ocho team to help you with any questions, administration support, annual tax-filings, and compliance monitoring.

Ready to get started with the Ocho Solo 401K Plan?

It takes less than 10 minutes to open an account

Ready to get started with Ocho?


$299/ year

  • ✓ Ocho Solo 401k Plan
  • ✓ Ocho IRAs (Traditional + Roth)†
  • ✓ Security & compliance monitoring
  • ✓ On-demand courses + training
  • ✓ No AUM fees
  • ✓ 30-day refund guarantee
Create Account


$999/ year

  • ✓ Ocho Solo 401k Plan
  • ✓ Ocho IRAs (Traditional + Roth)†
  • ✓ Security & compliance monitoring
  • ✓ On-demand courses + training
  • ✓ No AUM fees
  • ✓ 30-day refund guarantee
  • ✓ Custom financial plan
  • ✓ Access to “Ask an Advisor”
  • ✓ On-going support and updates to financial plan
Create Account


$12,000 / year

  • ✓ Limited spots and by application only
  • ✓ Hands-on financial planning, execution and investment advice
  • ✓ For business owners earning $200k+ profit annually
  • ✓ No-fee investment management and advice
  • ✓ Sourcing, vetting and executing on boutique accredited investments
  • Click here to learn more
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What if Ocho isn’t the right fit for you?

You can try out Ocho for 30 days and if you feel it isn’t right for you, we have a no questions asked refund policy.

Transparent pricing with no AUM fees

Unlike other money managers, we charge zero fees on your money under management (AUM) and do not receive any compensation for any products we recommend.

All income levels and all business entities eligible

Any business owner, freelancer, creator, or even full-time employees with a side hustle can open a solo 401k. The only requirement is that you have no full-time W-2 employees that work over 1,000 hours in your business (excluding your spouse). There are no income limits – you’re eligible whether you make over $1M or operate a small side hustle.


Am I eligible for a solo 401k?

To be eligible for a solo 401k, you need any sort of business or self-employment activity, with no full-time W-2 employees that work over 1,000 hours in your business (excluding your spouse). Business owners with any type of business entity can open a solo 401k, whether you operate as a sole proprietorship, partnership, LLC, s-corp, or c-corp. You can still work with freelancers and contractors, but you lose eligibility if you have full-time W-2 employees.

Trusted and backed by the world’s top entrepreneurs, creators and money experts.

“The level of insight you get in terms of your money management is not something I’ve seen on any other apps I’ve used.”


Startup founders have invested in Ocho


In preseed funding

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Want to learn more about a solo 401k?

Download our free Solo 401k Handbook


The Solo 401k Handbook

Everything you need to know in a handy ebook format.