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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
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 Oct 24, 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. “Not verified yet” means we don't have a current official source for that line.
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 24, 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 24, 2026. Source: acorns.com/pricing | Not verified yet. | Not verified yet. | Acorns says it puts investing on autopilot, and Round-Ups invest your spare change every time you make a purchase.As of Oct 24, 2026. Source: acorns.com/pricing |
 BettermentSEP IRA, Solo 401(k) | “SEP IRA”As of Oct 24, 2026. betterment.com/pricing“Solo 401(k)”As of Oct 24, 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 Oct 24, 2026. Source: betterment.com/pricing | Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.As of Oct 24, 2026. Source: betterment.com/pricing | Not verified yet. | Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you.As of Oct 24, 2026. Source: betterment.com |
 Charles SchwabSEP IRA, Solo 401(k) | “SEP-IRA”As of Oct 24, 2026. schwab.com/pricing“Individual 401(k) Plan”As of Oct 24, 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 Oct 24, 2026. Source: schwab.com/pricing | Schwab lists a $0 account minimum for brokerage accounts and IRAs. Schwab Intelligent Portfolios has a $5,000 minimum.As of Oct 24, 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 Oct 24, 2026. Source: schwab.com/fractional-shares-stock-slices | Schwab says its robo-advisor builds, monitors and automatically rebalances a diversified portfolio.As of Oct 24, 2026. Source: schwab.com/intelligent-portfolios |
 M1SEP IRA | “SEP IRA”As of Oct 24, 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 Oct 24, 2026. Source: m1.com | Not verified yet. | M1 says fractional shares let you build your portfolio to your exact percentages, from 6,000+ U.S.-listed stocks and ETFs.As of Oct 24, 2026. Source: m1.com | M1 lists auto-invest with recurring transfers, Dynamic Rebalancing and one-click rebalancing.As of Oct 24, 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 Oct 24, 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 Oct 24, 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 Oct 24, 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 Oct 24, 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 Oct 24, 2026. Source: sofi.com/invest/fractional-shares |
| VanguardSEP IRA | “SEP-IRAs”As of Oct 24, 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.As of Oct 24, 2026. Source: investor.vanguard.com/advice/robo-advisor | Vanguard says there's no fee or minimum investment amount to open an account.As of Oct 24, 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 Oct 24, 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 Oct 24, 2026. Source: investor.vanguard.com/advice/robo-advisor |
 WealthfrontSEP IRA | “Retirement Accounts (Traditional IRA, Roth IRA, SEP)”As of Oct 24, 2026. wealthfront.com | Wealthfront's advisory fee for The Wealthfront Portfolio is 0.25% annually.As of Oct 24, 2026. Source: wealthfront.com/pricing | Wealthfront says The Wealthfront Portfolio account lets you start investing for as little as $500.As of Oct 24, 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 Oct 24, 2026. Source: wealthfront.com/brokerage | Wealthfront lists automatic trades and automatic rebalancing for The Wealthfront Portfolio.As of Oct 24, 2026. Source: wealthfront.com/pricing |
See these apps in the full app table with their prices, platforms and app store ratings.
Not verified yet
These investing apps may offer it, but the official pages we checked don't name it, so we don't list them above. This isn't a no.
- Ally Invest. Ally Invest's source lists "Rollover IRA" without naming which type, so we can't say.
- Bloom. The Bloom page we checked doesn't name this account, so we haven't verified it either way.
- E*TRADE. E*TRADE's source lists "Rollover IRA" without naming which type, so we can't say.
- Fidelity Investments. Fidelity's source lists "Rollover IRA" without naming which type, so we can't say.
- Public. Public's source lists "Crypto IRAs" without naming which type, so we can't say.
- Robinhood. The Robinhood page we checked doesn't name this account, so we haven't verified it either way.
- Stash. Stash's source lists "Retirement" without naming which type, so we can't say.
- Webull. Webull's source lists "Rollover IRA" without naming which type, so we can't say.
Compare these apps
Alternatives to each app
Looking for another account? Apps Where You Can Open a Roth IRA or Apps With Custodial Accounts for Kids. How we decide an app offers an account type.
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 Oct 24, 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 Oct 24, 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 Oct 24, 2026 on each company's own pages.)
Why isn't every investing app listed?
We list an app only when its own page names the account. Ally Invest's source lists "Rollover IRA" without naming which type, so we can't say. The Bloom page we checked doesn't name this account, so we haven't verified it either way. E*TRADE's source lists "Rollover IRA" without naming which type, so we can't say. Fidelity's source lists "Rollover IRA" without naming which type, so we can't say. Public's source lists "Crypto IRAs" without naming which type, so we can't say. The Robinhood page we checked doesn't name this account, so we haven't verified it either way. Stash's source lists "Retirement" without naming which type, so we can't say. Webull's source lists "Rollover IRA" without naming which type, so we can't say.
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.
