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Seen from behind, a woman in a plum scarf stands at the door of her sunlit home studio beside a hook board with two keys tagged Solo 401(k) and SEP IRA, illustrating retirement plan choices for the self-employed

Solo 401(k) or SEP IRA? Retirement Accounts When You Work for Yourself

Self-employed? A solo 401(k) and a SEP IRA both allow up to $72,000 in 2026, but they differ on how fast you get there, Roth options, deadlines, and the backdoor Roth.

Wealth Building

Elizaveta Shafir

Oct 1112 min read

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Solo 401(k) or SEP IRA? Retirement Accounts When You Work for Yourself

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