At Carry, our upfront fee is transparent and covers full access to our plans and services, with no AUM fees lurking around. Curious about what each tier offers? Check out our detailed pricing list here: carry.com/pricing
Straightforward pricing, Zero AUM fees
Basic Plan
$29 /month
or $299/year Solo 401k, IRAs & non-retirement Brokerage Accounts
No AUM fees
Eligible business expense for your taxes
Automated Mega Backdoor Roth and Roth IRA conversions
Add-on access to a Certified Financial Planner™ for
additional charge
Great for maximizing retirement savings without management fees.
Pro Plan
$49 /month
or $499/year Everything in the Basic Plan, plus:
Invest in alternative assets (from your Solo 401k and
IRA)
Invest in crypto (from your IRA)
Payroll integration with Gusto
A great fit if you're self-employed and seeking to automate your contributions or explore further investment types.
VIP Plan
$500-$1,500 /month
or $6K-$18K/year Everything in the Pro Plan, plus:
Personalized planning with an expert to identify top
tax-saving opportunities
High quality bookkeeping and payroll services to help
you stay organized
Integrated tax filing for both personal and business
returns
Ideal for business owners earning $200k+ in annual profit.
Why choose Carry?
SIPC Protection and FDIC Insurance
Certain Solo401k accounts on Carry are eligible for FDIC or
SIPC insurance, provided by their respective custodians. See
details
Invest in (almost) anything you want to
Ok, not whatever— but we do support a wide range of investments in stocks & ETFs, crypto, alternative investments, and access to our automated roboadvisor— all from the same place.
Access to powerful tax-saving strategies
Take advantage of complex strategies like Mega Backdoor Roth and Backdoor Roth conversions to save on taxes.
Real success stories from real customers
"Checks every box, and supports Roth Contributions."
"Very very impressed with Carry. Checks every box and supports Roth contributions to Solo 401(k), 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 Odom
Entrepreneur
These are real testimonials from real customers, who have not been compensated.
Compare all Carry features
Basic Plan | Pro Plan | VIP Plan | |
|---|---|---|---|
| Accounts & Investments | |||
| Solo 401k, IRAs, & non-retirement Brokerage accounts | |||
| Invest in Stocks and ETFs | |||
| Roboadvisor | |||
| Recurring contributions | |||
| Mega Backdoor Roth | |||
| Backdoor Roth conversion | |||
| Invest in Alternative Assets Solo 401k and IRAs only | |||
| Invest in Crypto IRAs only | |||
| Payroll integration with Gusto | |||
| Platform | |||
| No AUM fees | |||
| On-demand courses and training | |||
| Eligible business expense | |||
| Access to add-on Certified Financial Planner (CFP) Additional fees apply | |||
| Tax Strategy | |||
| Personalized planning to identify top tax-saving opportunities | |||
| High quality monthly and catch-up bookkeeping and payroll services | |||
| Integrated tax filing for personal and business returns | |||
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 Kellond, Carry Customer
"Major shoutout to my tax strategist from [Carry]. She crafted for me a 32-page tax and financial plan that outlined insurance, retirement, and how to achieve my LT goals."
Austin Hankwitz, Carry Customer
"Thanks so much. I reviewed my financial plan and it provided a lot of guidance and things to think about in terms of my long-term goals."
Sherrell Dorsey, Carry Customer
"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 Chester, Carry Customer
"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 Confortini, Carry Customer
These are real testimonials from real customers, who have not been compensated.
Questions before joining?
Why does Carry have an upfront fee?
Can I move my existing Solo 401k or IRA to Carry?
Absolutely!
For Solo 401k: Just set up your Carry account and select the option to restate your plan.
For IRAs: Simply create a new IRA after setting up your Carry account and transfer your assets
Have questions about the process? We're here to help, just reach out!
Can I sign up for a Solo 401k as a Sole Proprietor or do I need an LLC?
Yes! If you're a Sole Proprietor, you can easily set up a Solo 401k with us.
No LLC? No problem! You can use your SSN instead of an EIN to open a Solo 401k with Carry.
Who can set up a Solo 401k?
You would most likely qualify if:
- You're earning self-employed income as a business owner, freelancer, creator, or side-hustler (any business entity type is eligible, including multi-partner LLCs)
- You have no full-time employees (outside of your spouse)
- You're a U.S. resident
Feel free to reach out to us if you have any questions!
Are there any other fees with Carry?
Transparency is key, so here's the breakdown: While Carry does not charge AUM fees, there are other standard fees (which are comparable with other providers in the industry). This includes:
- Any underlying investment fees (for ex. If you buy an ETF, the underlying fund expense ratio; this goes to the fund and not Carry)
- Certain transaction fees charged by our custodians, like initiating an outgoing ACH or purchasing Cryptocurrency
Can I/how do I invest in alternative assets with Carry?
With Carry, you can explore alternative asset investments, like crypto inside your Solo401k or IRA. Learn more about Solo 401ks here and IRAs here.