Roth SEP IRA is now available. Get SEP IRA contribution limits with tax-free growth. Learn more

$0

Setup fee

10 min

To open
an account

$72,000

Max contribution, 2026

0%

Tax on qualified withdrawals

Your SEP Contributions Can Now Be Roth

Under SECURE 2.0, business owners can choose Roth tax treatment for SEP IRA contributions instead of the traditional pre-tax option.

Higher contribution limits

Contribute up to $72,000 in 2026, or 25% of eligible compensation.

No income limits

Eligibility is based on your business, not your income.

Tax-free qualified withdrawals

Pay taxes now and enjoy tax-free growth and qualified withdrawals later.

No lifetime RMDs

No required minimum distributions during your lifetime.

Roth SEP IRA vs. Traditional SEP IRA vs. Roth IRA

Same business, three ways to save. Here's exactly how a Roth SEP IRA stacks up.

SEP IRA vs. Roth SEP IRA

Plan Feature

Roth SEP IRA

Traditional SEP IRA

Roth IRA

2026 contribution limit
$72,000 or 25% of comp
$72,000 or 25% of comp
$7,500
Tax treatment on contribution
Pay tax now
Deduct now
Pay tax now
Growth
Tax-free
Tax-deferred
Tax-free
Qualified withdrawals
Tax-free
Taxed as income
Tax-free
Income limits to contribute
None
None
Phases out at high income
Who can open one
Self-employed & business owners
Self-employed & business owners
Anyone with earned income
Required minimum distributions
None
Yes, starting at 73
None

Figures shown are 2026 IRS limits and are subject to change. Talk to your CPA about which contribution mix fits your situation.

Note: If your tax rate will be higher in retirement, Roth is usually the better choice, since it locks in today's lower rate. If your tax rate will be lower in retirement, the traditional SEP's upfront deduction may save you more. Not sure? Split your contribution between both.

Set Up Your Roth SEP IRA
in Minutes

No paperwork. No back-and-forth. Most plans are set up in under 15 minutes.

Create Your Account

1. Create Your Account

Enter your business (or self-employment) details and verify your identity. Takes about 5 minutes.

Set up your Roth SEP

2. Set up your Roth SEP

Choose your effective date and whether contributions will be Traditional, Roth, or a split of both.

3. Invite participants, or invite yourself

3. Invite participants, or invite yourself

Send a link and participants enroll themselves. Self-employed with no employees? Invite yourself as the sole participant in the same flow.

Select contribution & investment options

4. Select contribution & investment options

Each participant sets their own Traditional/Roth contribution split and chooses from Core or Crypto portfolios.

Simple, Transparent Pricing

One plan. Everything included. No hidden fees.

Roth SEP IRA

Best for Self-Employed

$6/ per month

Per employer account

What you will get

  • Professionally managed investment portfolios
  • Traditional and Roth SEP IRA options
  • Split contributions between Traditional and Roth
  • Dedicated portal for employer and participants
  • Crypto Portfolios powered by Bitwise

What you will get

  • Professionally managed investment portfolios
  • Traditional and Roth SEP IRA options
  • Split contributions between Traditional and Roth
  • Dedicated portal for employer and participants
  • Crypto Portfolios powered by Bitwise

Everything Runs Digitally, By Default

Setup, compliance, rollovers, and reporting all happen inside WealthRabbit. No separate tools, no manual tracking.

Fully digital setup

No paperwork. No administrative burden. Complete setup in under 10 minutes.

Illustration of Fully digital setup image

Easy Rollovers

Transfer funds from existing retirement accounts into WealthRabbit without disruption.

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Real-Time Account Tracking

Monitor balances, performance, and contributions from desktop or mobile, 24/7 access.

Real-Time Account Tracking icon

Auto‑compliance

Year-end disclosures, contribution limits, and IRS notices handled automatically.

Auto‑compliance icon

Employer & Participant Portals

Separate dashboards for business owners and participants. Track contributions, balances, and activity in real time.

Illustration of Employer & Participant Portals image

Manage Anywhere

Track contributions and investment performance on mobile. Make changes anytime. Access your account 24/7.

Manage Anywhere icon

Professionally Managed Portfolios

Every WealthRabbit Roth SEP IRA comes with diversified, professionally managed portfolios, from traditional allocations to crypto-inclusive options. Fully managed and automatically rebalanced.

step 3

Core Portfolios

Diversified, time-tested investment strategies built for steady long-term growth and capital preservation.

  • Professionally managed portfolios
  • Time-tested methodologies
  • Diversified asset allocation
  • Automatic rebalancing for optimal performance
Explore Core Portfolios →
step 3

Crypto Portfolios

Powered by

Bitwise

For savers seeking additional diversification, portfolios can include professionally managed crypto exposure powered by Bitwise.

  • No wallets or direct custody management
  • Integrated into diversified portfolios
  • Professionally managed allocations
  • Built using regulated ETFs & ETPs
Explore Crypto Portfolios →

Retirement planning that supports your success

Join hundreds of small businesses and individuals building real financial security with
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