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Apps With a SEP IRA or Solo 401(k) for the Self-Employed
For freelancers, contractors and anyone self-employed. We list an app only when its own page names the account, and every row shows that page and the date we checked it.
Updated
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Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.
Short answer
7 apps we track say on their own pages that you can open a SEP IRA or a Solo 401(k): Acorns, Betterment, Charles Schwab, M1, SoFi Invest, Vanguard and Wealthfront. Each one is listed below with the account name its source uses and the date we checked it (newest check Nov 3, 2026). The app table lists the same apps with their prices and ratings.
7 apps, A to Z
The order is alphabetical, not a ranking. Every line links to the official page it came from, with the date we checked it.
Swipe the table sideways to see every column.
| App | What its page says | Fee or subscription | Account minimum | Fractional shares | Automatic investing |
|---|---|---|---|---|---|
 AcornsSEP IRA | “SEP IRA”As of Oct 29, 2026. acorns.com/later | Acorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 29, 2026. Source: acorns.com/pricing | Acorns' Form ADV wrap fee brochure says there is no minimum account size, and most clients can begin investing with as little as $5.Clients using real-time Round-Ups through Acorns' banking partners may begin investing with less than $5.As of Oct 29, 2026. Source: sqy7rm.media.zestyio.com/Acorns-Wrap-Fee-Program-Brochure--August-2026-.pdf | Acorns' Form CRS says a Custom Portfolio lets customers invest a portion of their Acorns Invest Account in fractional shares of equity securities.Custom Portfolios are capped at up to 50% of the account's value based on the customer's risk profile, and the CRS lists them with the Gold plan.As of Oct 29, 2026. Source: sqy7rm.media.zestyio.com/Acorns-Securities-Acorns-Advisers-Form-CRS--August-2026-.pdf | Acorns says it puts investing on autopilot, and Round-Ups invest your spare change every time you make a purchase.As of Oct 29, 2026. Source: acorns.com/pricing |
| BettermentSEP IRA, Solo 401(k) | “SEP IRA”As of Nov 3, 2026. betterment.com/pricing“Solo 401(k)”As of Nov 3, 2026. betterment.com/pricing | Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested.As of Nov 3, 2026. Source: betterment.com/pricing | Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.As of Nov 3, 2026. Source: betterment.com/pricing | Betterment says you can invest in fractional shares with no minimums in its self-directed investing account, with no trading commissions or management fees.As of Nov 3, 2026. Source: betterment.com/self-directed-investing | Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you.As of Nov 3, 2026. Source: betterment.com |
 Charles SchwabSEP IRA, Solo 401(k) | “SEP-IRA”As of Nov 3, 2026. schwab.com/pricing“Individual 401(k) Plan”As of Nov 3, 2026. schwab.com/pricing | Schwab Intelligent Portfolios, Schwab's robo-advisor, lists no advisory fee and no commissions. You still pay the operating expenses of the ETFs in the portfolio.As of Nov 3, 2026. Source: schwab.com/pricing | Schwab lists a $0 account minimum and $0 opening and maintenance fees for brokerage accounts and IRAs. Schwab Intelligent Portfolios has a $5,000 minimum.As of Nov 3, 2026. Source: schwab.com/pricing | Schwab says you can own fractional shares of most U.S.-listed stocks and ETFs for as little as $1.As of Nov 3, 2026. Source: schwab.com/fractional-shares-stock-slices | Schwab says its robo-advisor builds, monitors and automatically rebalances a diversified portfolio.As of Nov 3, 2026. Source: schwab.com/intelligent-portfolios |
 M1SEP IRA | “SEP IRA”As of Nov 3, 2026. m1.com | M1 doesn't charge commission, trading or management fees for self-directed brokerage accounts. It charges a platform fee of $3/month, waived for clients with more than $10,000 on the platform.As of Nov 3, 2026. Source: m1.com | M1 lists a $100 minimum initial deposit for Individual, Joint, Custodial and Crypto accounts, $500 for Traditional, Roth and SEP IRAs, and $5,000 for Trust accounts. After the first deposit, additional deposits can be $10 or more.As of Nov 3, 2026. Source: help.m1.com/en/articles/9332048-your-first-deposit-at-m1 | M1 says fractional shares let you build your portfolio to your exact percentages, from 6,000+ U.S.-listed stocks and ETFs.As of Nov 3, 2026. Source: m1.com | M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing.As of Nov 3, 2026. Source: m1.com/invest/automated-investing |
 SoFi InvestSEP IRA | “SEP IRA”The fee schedule says both Self-Directed and Robo-Advisor include Roth, Traditional and SEP IRAs.As of Nov 3, 2026. sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf | SoFi's fee schedule (last updated 10/1/2026) lists a 0.25% annual advisory fee for Robo-Advisor accounts.As of Nov 3, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf | SoFi's fee schedule lists a $5 minimum to begin investing for self-directed accounts and $50 for Robo-Advisor accounts, with a $0 opening fee.As of Nov 3, 2026. Source: sofi.com/wealth/assets/documents/sofi-invest-fee-schedule.pdf | SoFi has a fractional shares page (Invest in Partial Shares) and says there are limitations with fractional shares to consider before investing.As of Nov 3, 2026. Source: sofi.com/invest/fractional-shares | SoFi's fractional shares page says scheduled orders are aggregated and executed in the morning trade window of the next business day.As of Nov 3, 2026. Source: sofi.com/invest/fractional-shares |
 VanguardSEP IRA | “SEP-IRAs”As of Nov 3, 2026. investor.vanguard.com/accounts-plans | Vanguard Digital Advisor charges an annual gross advisory fee of 0.20% for index portfolio options or 0.25% for an active portfolio option. That fee is reduced by a credit for revenue Vanguard keeps from the investments in your account.Vanguard says enrollments in Vanguard Digital Advisor require at least $100 in each Vanguard Brokerage Account.As of Nov 3, 2026. Source: investor.vanguard.com/advice/robo-advisor | Vanguard says there's no fee or minimum investment amount to open an account.As of Nov 3, 2026. Source: investor.vanguard.com/accounts-plans/brokerage-accounts | Vanguard says dollar-based trading lets you buy a Vanguard ETF for as little as $1, regardless of the ETF's share price.As of Nov 3, 2026. Source: investor.vanguard.com/investor-resources-education/article/what-is-dollar-based-investing | Vanguard says its robo-advisor uses an algorithm to automatically build and rebalance a portfolio.As of Nov 3, 2026. Source: investor.vanguard.com/advice/robo-advisor |
| WealthfrontSEP IRA | “Retirement Accounts (Traditional IRA, Roth IRA, SEP)”As of Nov 3, 2026. wealthfront.com | Wealthfront's advisory fee for The Wealthfront Portfolio is 0.25% annually.As of Nov 3, 2026. Source: wealthfront.com/pricing | Wealthfront says The Wealthfront Portfolio account lets you start investing for as little as $500.As of Nov 3, 2026. Source: wealthfront.com/investing | Wealthfront says all of the stocks on its app are available as fractional shares, and you can start investing with as little as $1.As of Nov 3, 2026. Source: wealthfront.com/brokerage | Wealthfront lists automatic trades and automatic rebalancing for The Wealthfront Portfolio.As of Nov 3, 2026. Source: wealthfront.com/pricing |
See these apps in the full app table with their prices, platforms and app store ratings.
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FAQ
Which apps let you open a SEP IRA or a Solo 401(k)?
Acorns, Betterment, Charles Schwab, M1, SoFi Invest, Vanguard and Wealthfront list it on their own pages. (Checked Nov 3, 2026 on each company's own pages.)
Which of these apps offer a SEP IRA?
Acorns, Betterment, Charles Schwab, M1, SoFi Invest, Vanguard and Wealthfront name a SEP IRA on their own pages. (Checked Nov 3, 2026 on each company's own pages.)
Which of these apps offer a Solo 401(k)?
Betterment and Charles Schwab name a Solo 401(k) on their own pages. (Checked Nov 3, 2026 on each company's own pages.)
What is a SEP IRA?
The IRS says a SEP plan allows employers to contribute to traditional IRAs (SEP-IRAs) set up for employees, and a business of any size, even self-employed, can establish a SEP. (Source: IRS.gov, page last reviewed or updated May 7, 2026, checked Oct 24, 2026.)
What is a Solo 401(k)?
The IRS calls it a one-participant 401(k) plan: a traditional 401(k) plan covering a business owner with no employees, or that person and his or her spouse. It has the same rules and requirements as any other 401(k) plan. (Source: IRS.gov, page last reviewed or updated Apr 9, 2026, checked Oct 24, 2026.)
This is education, not financial advice.
