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

How Much Can You Save?

See your 2026 contribution limit and tax impact

WealthRabbit now supports Roth SEP contributions.

Under SECURE 2.0, WealthRabbit now supports Roth SEP IRA contributions. Choose Roth, traditional, or split your SEP contributions between both based on your preference.

Roth SEP IRA vs. Traditional SEP IRA

Plan Feature

Roth SEP IRA

Traditional SEP IRA

Tax on contribution
Contributions are taxed now, allowing qualified withdrawals to be tax-free later.
Contributions may be deductible now, with taxes deferred until withdrawal.
Tax on withdrawal
Qualified withdrawals are tax-free once IRS requirements are met.
Withdrawals are generally taxed as ordinary income.
Business deduction
Employer contributions may be deductible, subject to IRS limits.
Employer contributions may be deductible, subject to IRS limits.
Required withdrawals
No RMDs during the account owner’s lifetime.
RMDs generally begin at age 73.
2026 contribution limit
The lesser of 25% of compensation or $72,000.
The lesser of 25% of compensation or $72,000.

Good to know:

Roth SEP is an election you make, not a default. Most providers still can't offer it, WealthRabbit can. Turn it on any time from your account overview.

Is a SEP IRA Right for You?

Perfect if you

  • Are self-employed or a business owner
  • Want employer-funded retirement contributions
  • Want to choose traditional, Roth, or split contributions
  • Prefer flexible annual contributions
  • Want higher contribution limits than a Traditional or Roth IRA

Not ideal if you

  • Want employees to contribute through payroll deductions (Consider a SIMPLE IRA)
  • Need access to retirement plan loans
  • Want employee catch-up contributions
  • Have several eligible employees and want to minimize employer contribution costs

Not sure which plan is right for you?

SEP IRA vs. Solo 401(k): Which is Right for You?

Enjoy hands-off investment management with expert guidance for your Traditional or Roth IRA for a small asset management fee.

Plan Feature

SEP IRA

Solo 401(k)

2026 Max Contribution
Up to $72,000
Up to $72,000
Setup Deadline
Tax filing deadline (incl. extensions)
December 31
Contribution Flexibility
Choose $0–max yearly
Less flexible
Employee Deferrals
No
Yes ($24,500)
Roth Option
Available now
Yes
Loans Allowed
No
Yes
Annual IRS Filings
None required
Form 5500 if >$250K
Best For
Variable income, simplicity, late setup
Max contributions at lower income

Why Self-Employed Professionals Choose WealthRabbit

Investing shouldn’t be reserved for the wealthy. WealthRabbit gives you access to professionally managed portfolios designed to grow with you, no matter where you’re starting.

Fully digital setup

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

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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.

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Auto‑compliance

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

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Employer & Participant Portals

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

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Manage Anywhere

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

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Simple, Transparent Pricing

One plan. Everything included. No hidden fees.

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

Set Up Your 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 info, EIN, and verify your identity. It takes about 5 minutes.

Configure Your Plan

2. Configure Your Plan

Choose your contribution match type, effective date, and auto-enrollment preferences.

3. Invite Your Participants

3. Invite Your Participants

Include yourself, or send a link so participants can enroll themselves.

Select Investment Portfolio

4. Select Investment Portfolio

Complete the setup and select the investment portfolio based on your financial goals.

Professionally Managed Portfolios

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

Retirement planning that supports your success

Join hundreds of small businesses and individuals building real financial security with
WealthRabbit - fully digital, fully automated, fully yours.