Carry vs Rocket Dollar Solo 401(k)
Side-by-side comparison of Carry and Rocket Dollar Solo 401(k) plans for freelancers — fees, features, and which one fits your needs.
| Feature | Carry | Rocket Dollar |
|---|---|---|
| Setup Fee | $299 | $360 |
| Annual Fee | $299/yr | $180/yr |
| Roth Option | ||
| Crypto | ||
| Alt Investments | ||
| Self-Directed | ||
| Loans | ||
| Mega Backdoor | ||
| Investment Options | Stocks, ETFs, crypto via Coinbase/Gemini | Stocks, crypto, real estate, private equity |
| Best For | Crypto holders who want a simple setup | Self-directed investing with a friendlier interface |
Carry
PROS
- Easy crypto investing
- Mega backdoor Roth
- Clean interface
CONS
- $299/yr fee
- No loans
- No real estate
Rocket Dollar
PROS
- Self-directed
- Crypto support
- Good UI
CONS
- $180/yr ongoing
- No loans
- No mega backdoor
The Verdict
Rocket Dollar is cheaper, but Carry offers more features.
Rocket Dollar costs $1260 over 5 years vs $1794 for Carry — a $534 difference.
Carry offers 4 advanced features vs 3 for Rocket Dollar.
Choose Rocket Dollar if you want to minimize costs. Choose Carry if you need crypto, self-directed investing or other advanced features.
Frequently Asked Questions
Which is better for freelancers, Carry or Rocket Dollar Solo 401(k)?
Rocket Dollar is cheaper, but Carry offers more features. Choose Rocket Dollar if you want to minimize costs. Choose Carry if you need crypto, self-directed investing or other advanced features.
How much does Carry vs Rocket Dollar Solo 401(k) cost?
Carry charges $299 setup and $299/yr annually ($1794 over 5 years). Rocket Dollar charges $360 setup and $180/yr annually ($1260 over 5 years). Rocket Dollar costs $1260 over 5 years vs $1794 for Carry — a $534 difference.
Can I invest in crypto with both Carry and Rocket Dollar?
Yes, both Carry and Rocket Dollar support cryptocurrency investing in their Solo 401(k) plans. Carry offers Stocks, ETFs, crypto via Coinbase/Gemini. Rocket Dollar offers Stocks, crypto, real estate, private equity.
Does Carry or Rocket Dollar offer self-directed investing?
Carry supports self-directed investing including real estate and alternative assets. Rocket Dollar supports self-directed investing including real estate and alternative assets.