Updated 2026-04-21

How to Get a 401(k) Without an Employer

Solo 401(k), SEP IRA, SIMPLE IRA, and Roth IRA options for self-employed workers. Contribution limits, where to open accounts, and filing requirements.

Key Takeaways

2026 Quick Reference

$24,500
2026 Deferral Limit
$72,000
Total 415(c) Limit
59½
Penalty-Free Age
73
RMD Start Age

Related Guides

Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-04-21

Related Articles

Solo 401(k) Guide for Self-Employed (2026)

Complete guide to Solo 401(k) plans for self-employed individuals. Contribution limits up to $72,000.

 Solo 401(k) vs SEP IRA: Which Is Right for You?

Side-by-side comparison of Solo 401(k) and SEP IRA for self-employed. Contribution limits, Roth options, catch-up rul...

 SIMPLE 401(k) Plans: Rules, Limits & How They Work

How SIMPLE 401(k) plans work for small businesses. 2026 contribution limits, employer match requirements, and compari...

 401(k) vs IRA: Key Differences & Which to Choose

Compare 401(k) and IRA side by side. Contribution limits, tax benefits, and should you have both? Differences explain...

 401(k) Alternatives: Best Retirement Savings Options

Roth IRA, HSA, SEP IRA, Solo 401(k), and taxable accounts compared. The best retirement options when you cannot acces...