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Ocho 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 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 bank and brokerage accounts – it can all be done through your Ocho account.

The Easiest Way To Invest In Alternative Assets

Invest in traditional assets like stocks, mutual funds, and ETFs, or take full checkbook control and directly invest your money in alternative assets like real estate, crypto, and private equity.

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, it’s 100% handled for you.

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, automated tax filings, and security u0026amp; 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 (including crypto, NFTs, real estate, and startups) with tax-free compounding, and 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 Ocho Solo 401k has the highest contribution limits of any retirement account ($61,000 for 2022 – $66,000 for 2023).

Total Investment Freedom

Invest in any asset class including stocks, ETFs, 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 into an 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.

Full checkbook control

Get full checkbook control over your funds. You can write checks directly on your own without having to go through a custodian.

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.

Integrated Bank & Brokerage Accounts

No need to go out and open separate bank and brokerage accounts. Easily open any accounts you need within Ocho.

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

Am I eligible for a solo 401k?

You only need to meet two requirements:

1. You’re self-employed or run your own business.

2. You have zero full-time W-2 employees that work over 1,000 hours per year in your business.

Side hustles also eligible: If you’re a salaried employee, you can still qualify for a solo 401k through a side hustle or another business you own outside of your employment. If you run any sort of business outside of your regular day job that doesn’t have any full-time W-2 employees, you can qualify for a solo 401k.

What if my business has partners? You can open a solo 401k even if your business has partners. The plan documents will be created to exclude them from the plan, and they have the option to open their own solo 401k plan.

All business entities are eligible: You qualify for a solo 401k whether you operate your business as a sole proprietorship, partnership, LLC, c-corp, or s-corp. The only eligibility rules are that you have business or self-employment income and zero W-2 employees that work over 1,000 hours per year in your business.

The Ocho Solo 401k is more than just a retirement plan. It includes a membership to the entire Ocho Platform

Premium Programs

Unlock premium trainings (both live and on-demand) from finance and business experts.

Live Sessions + Q&As

Live sessions with industry leaders to answer your most sought-after money questions.


Join our accountability and goal-setting sessions to help you create and stick with your plans.

Premium courses + resources.

Throughout the year, we will be regularly releasing premium training courses and resources. These will cover a wide variety of topics from taxes, accounting, budgeting, investing, mindset, and more!

Community & live events.

Unlock the power of the Ocho Money community, where you can connect with other like-minded entrepreneurs. We also host regular live sessions, including accountability and goal-setting workshops to help you create and stick with your plans.

Available in the Ocho Professional Plan

Personalized Financial Plan + Ask an Advisor

The average financial advisor charges between 0.25% to 1.5% on your assets under management. With a $1 million portfolio, your fees could run you north of $150,000 per year. Hourly fees range between $100 to $500 per hour, and a “per-plan” arrangement would cost you between $1,000 to $3,000. Most people don’t need a full-time financial advisor on retainer, and it’s not cheap paying hundreds of dollars per hour every time you have a question or need something reviewed. What most people need is an expert to look at their current finances, point out things they’re doing wrong, provide a high level overview/strategy, and answer any critical questions. And that’s exactly what you get when you join the Ocho Professional Plan.

Actionable steps and a clear overview of your finances

Your advisor will show you what to prioritize, what you’re doing wrong, where you can save the most on taxes, and how to achieve your financial goals in the most optimal and efficient way.

Personalized Ocho Financial Plan (sample)

Ask your Ocho Advisor for 1:1 help whenever you have money questions

If you have any questions about your investments, retirement savings, taxes, or personal finances in general, ask your advisor at any time through your Ocho dashboard. It’s like having your own personal money consultant in your corner at all times (without the hefty retainer and AUM fees).

An all-inclusive, integrated experience

Here’s everything you get once you join

We don’t just slap your name on a solo 401k plan doc and call it a day. When you join Ocho, you get the full Ocho experience, and it all starts with our completely reimagined solo 401k application process that takes under 10 minutes. Once inside, you’ll be able to start making contributions, do rollovers, and invest your funds immediately through our app. You’ll also get access to your personalized financial plan, and can access our “Ask an Advisor” feature if you need financial advice. And if you want to learn more about money, you’ll also get full access to our Ocho Money on-demand courses. And if you need any help along the way, our support team is standing by to assist you.

Ownership of an Ocho Solo 401k Plan. Contribute up to $66,000 for 2023 and invest in any asset class.

Access to our Ocho Money community and our entire library of on-demand finance and business courses. Includes live webinars and AMA style conversations with guest experts.

Ocho IRAs (Roth + Traditional) coming in May. You’ll get immediate access to both accounts, free as part of your plan package.

Personalized financial plans custom built by our financial advisors for your specific financial situation and goals (only available on our Professional Plan).

Access to Ocho’s new “Ask an Advisor” feature. Get real-time advice from our team of financial experts (only available on our Professional Plan).

Onboarding, compliance, and tax-filing support. Get help from our world class support team any time you need assistance.

Choose Your Plan

The Professional Plan includes everything in the Basic Plan, plus your very own personalized financial plan and access to our Ask an Advisor feature.

Basic Plan ($299/year)

Ocho Solo 401k

On-demand courses uploaded regularly on a variety of personal + business finance topics

Live events with financial guest experts, both workshops and “ask me anything” style conversations

IRAs (starting in May)

Professional Plan ($499/year)

Ocho Solo 401k

On-demand courses uploaded regularly on a variety of personal + business finance topics

Live events with financial guest experts, both workshops and “ask me anything” style conversations

IRAS (starting in May)

PLUS personalized financial plans and access to “Ask an Advisor” (starting in May)

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.”


Early Stage Users


Startup founders have invested in Ocho


In preseed funding

Built by the team that built:


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.

No questions asked money-back guarantee

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.

Join Ocho, risk-free.