Anyone 18 or older with a +1 country code phone number can sign up for a Carry membership. However, to open investment accounts and invest on the platform, you must be a U.S. citizen or legal resident.
Keep more, invest more
Carry helps you unlock complicated and powerful tax-saving strategies to save money and build wealth. Turn tax efficiency into your greatest investment.
For the self employed
For high-income professionals
For everyone
The most powerful⍏ retirement account in America
If you’re self-employed, you’re potentially eligible for a Solo 401k— the most powerful retirement account in America. Dollar for dollar, this beats out nearly every other retirement account in size and flexibility.
- Tax deductions and growth up to $70K annually ($77,500 if over 50, $81,250 if between 60-63)
- Access to stocks, ETFs, mutual funds, Smart Yield, Roboadvisor, and alternatives
- Roth contribution options, including Mega Backdoor Roth conversions
- Penalty-free loans from your plan balance, when you need it
- EACA tax credit eligibility, earning up to $1500 in tax credits over three years
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A modern investment platform built for long-term growth
Carry combines tax-advantaged accounts with a powerful technology platform. Invest in stocks, ETFs, mutual funds, alts, and crypto on your own, or let our automated Roboadvisor and Smart Yield investment products do the work for you.
Turn on recurring contributions and investments, so you don’t have to lift a finger.
Investment Advisory services offered by Carry Advisors LLC.
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Carry Strategies
Complex strategies, made simple
Carry automates Roth conversions—Mega Backdoor, Backdoor, and standard—setting you up for tax-free growth with just a few clicks.
Tax-Advantaged Investing
Invest using tax-advantaged accounts
Open a Solo 401k for self-employment income or an IRA for straightforward retirement savings—both offering powerful tax benefits through pre-tax contributions or tax-free Roth withdrawals.
Tax Back Office
Tax filing, tax planning, and bookkeeping
Our tax partners understand Carry’s complex strategies and accounts, making tax filing, tax planning, and bookkeeping a seamless experience.
Tax Optimization
Automate cash management with Smart Yield
Smart Yield is our investment alternative to a high-yield savings account—automatically allocate your cash to strategic money market funds designed to help you keep more of what you earn, potentially with zero federal, state, or local taxes.⊙
Diversify with alternatives and crypto
Go beyond traditional brokerage options. You can use your retirement funds to invest into alternative assets like real estate, startup equity, and private funds. You source, vet, and choose the opportunities that align with your interests—we provide the infrastructure to manage them.
Additionally, access crypto investments directly in your IRA for tax-advantaged exposure to digital assets.
Pro plan only. Alternative investing on Carry is self-directed and not offered by Carry Advisors’ advisory services. Asset class restrictions may apply.
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Choose your Carry membership
Core
$29 /month
or $299/year
Solo 401k, IRAs, and Taxable Brokerage accounts
Invest in equities including stocks, ETFs, and mutual funds
Access to managed investments including Smart Yield and Roboadvisor
Add on tax filing, tax planning, bookkeeping, and financial planning for an additional fee
Full access to 20+ courses
Pro
$49 /month
or $499/year
Everything on Core, plus:
Invest in Crypto in your Traditional or Roth IRA
Access to Alternative investments in your Solo 401k, Roth IRA, or Traditional IRA
Advanced Solo 401k support including EACA credit filing
Discover why our customers trust Carry
"I am in heaven with Carry. Payroll deduction to my Solo 401k and then automatically invested. You solved the use case that matters most. If i wasn’t running my own startup, I’d want to work with you all."
Cheryl, Founder
"Very very impressed with Carry. Checks every box and supports Roth contributions to Solo 401k, including mega backdoor Roth and even has self-directed IRAs for those who want that. Great resources. Clean/easy-to-use website. Great support."
Ryan, Entrepreneur
"I love Carry so much. It was so easy to set up my Solo 401k (which if you’ve ever tried to do that, it’s not always super simple) and inside I was able to invest in a ton of different ETF options."
Erin, Content Creator
"It was one of the first platforms I’ve seen that specifically targets and helps solopreneurs, s-corp owners, self-employed, and gives them an all-in-one platform to easily manage retirement and tax saving strategies and accounts. I once tried to open a Solo 401k with [Other Provider], and it was a daunting task. Carry was a few clicks."
Nick, Business Owner
These are real testimonials from real customers, who have not been compensated.
Questions before joining?
Who is eligible to join Carry?
Why does Carry have a membership fee?
Carry’s membership fee supports the infrastructure that makes sophisticated tax strategies simple and accessible. We’ve built technology that helps you automate complex processes and reduces administrative burdens that typically require expensive advisors or time-consuming paperwork. Our membership tiers provide access to increasingly powerful features, ensuring you have the tools that match your financial complexity. Learn more about membership options here.
Can I move my existing investment accounts to Carry?
Am I eligible for a Solo 401k?
You’re likely eligible if you’re a U.S. resident with self-employment income and no full-time employees (except a spouse). However, there are important nuances around employee eligibility, business structure, and income requirements.
Are tax services included in the Carry membership?
No, tax filing, tax planning, and bookkeeping are available as separate add-on services for an additional cost. Visit our tax filing, tax planning, and bookkeeping pages for pricing and details.
Can I invest in alternative assets with Carry?
Yes, you can access crypto investments in your IRA and hold alternative assets like real estate, private equity, and startup investments in both your IRA and Solo 401k. You source and select these opportunities, Carry provides the compliant retirement plan infrastructure to hold them.
Are there any other fees with Carry?
We strive to maintain a transparent fee structure. Our custodial partners may charge fees for services like transaction processing, account transfers, and regulatory compliance. Custodian fees vary by investment type and account. See our fees page for complete details.
What customer support options are available?
Our support team is available to help with any of your technical questions at support@carry.com. We aim to respond promptly and provide assistance with account setup, platform navigation, and general inquiries.
For specific tax or investment related questions, we recommend speaking with a tax professional as our support team cannot provide investment, legal, tax or compliance advice.