Vest

30-year projection · 10% avg return · $22,500/yr

$0→

What $22,500/year in a solo 401(k) becomes —
if you start today instead of next year.

Setup in 11 minutes · IRS-compliant · No AUM fees

Solo 401(k) · SEP IRA · SIMPLE IRA

Your business prints revenue. Why does none of it compound?

Fortune 500 companies use retirement plans to recruit talent. Now those same accounts — solo 401(k)s, SEP IRAs, SIMPLE plans — are yours. Paperwork: 11 minutes.

$69K

Max annual shelter

37%

Top tax rate saved

11min

Setup time

2024 IRS limit · Employee contribution only

$22,500

Most self-employed people only know about the employee contribution limit. They set it and forget it, leaving the employer side completely untouched.

What most small business owners contribute

Total limit · Employee + employer contributions

$69,000

You're leaving $46,500 in tax-deferred space on the table every year.

Employee elective deferral$22,500

Employer profit-sharing (25% of net)+$46,500

Total tax-deferred this year= $69,000

Section 03 — Your Numbers

The cost of inaction, calculated.

Adjust the slider. Watch the number that should have been yours.

Annual Business Revenue$150,000

$40K$500K

Entity Type

Estimated first-year tax savings

$13,875/ year

Over 10 years: $138,750 back in your pocket, not the IRS's.

Estimates based on IRS 2024 limits · Not tax advice

Real clients · Real first-year savings

$18,240 saved in year one

"I'd been invoicing six figures for three years and stuffing it all into a taxable brokerage. Vest showed me I was handing the IRS $18,240 every year that didn't have to leave."

Priya Mehta

Freelance UX Designer · Austin, TX

$24,150 saved in year one

"My accountant never mentioned employer contributions. First year with Vest, I sheltered $69,000 and saved twenty-four grand in taxes. That's a new truck."

Marcus Okonkwo

Landscaping LLC Owner · Columbus, OH

$31,600 saved in year one

"Store revenue was great. Retirement savings were zero. Now I'm maxing a solo 401(k) and my tax bill dropped by thirty-one thousand dollars. I literally set my coffee down."

Sofia Reyes

Shopify Merchant · Miami, FL

Section 04 — Get Started

See your personal tax savings.

Three questions. Sixty seconds. Your cost of inaction, calculated.

1. Business2. Retirement3. Contact

What happens after you submit

Personalized estimate delivered

We calculate your exact tax savings based on your revenue, entity type, and current contributions. No generic ranges.

Account type recommendation

Solo 401(k), SEP IRA, or SIMPLE — we match you to the plan that maximizes your shelter given your situation.

Eleven-minute setup

We walk you through every form. Most clients are fully established within a single 30-minute call.

Bank-grade encryption

IRS-compliant docs

No AUM fees

ERISA compliant

Free Download

Solo 401(k) vs. SEP IRA Cheat Sheet

One page. Two plans. Which one shelters more of your income based on how your business is structured — with a side-by-side comparison at every income level.