MySolo401k vs Rocket Dollar Solo 401k (2026)
A comprehensive comparison to help you choose between MySolo401k and Rocket Dollar Solo 401k
MySolo401k
MySolo401k offers the most cost-effective non-prototype Solo 401k with full features, checkbook control, and the flexibility to invest with any brokerage.
Visit MySolo401kRocket Dollar
Rocket Dollar provides a polished digital experience and excellent support for real estate investors, but comes at a premium price.
Visit Rocket DollarWhen comparing MySolo401k vs Rocket Dollar for your solo 401k, you're looking at two of the most capable non-prototype plans available in 2026. Both providers offer the advanced features that serious self-directed investors need: checkbook control, alternative investments, and the flexibility to invest beyond traditional stocks and bonds. However, they take fundamentally different approaches to pricing and service delivery that will significantly impact your long-term costs.
MySolo401k has established itself as the market standard for self-directed Solo 401ks, earning its reputation through comprehensive features at competitive pricing. The plan includes everything from Mega Backdoor Roth conversions to participant loans, backed by included IRS audit support that provides peace of mind.
Rocket Dollar entered the market as a tech-forward challenger, bringing a modern dashboard experience and positioning itself as the go-to option for crypto-focused investors through its Gemini integration. The platform's sleek interface and concierge onboarding appeal to those who value a polished user experience.
The most striking difference between these providers isn't features—it's cost. With MySolo401k charging $125 annually versus Rocket Dollar's $480 per year at the Gold tier, you're looking at a $355 annual difference that compounds significantly over a typical investment timeline. This comparison matters for anyone seeking a full-featured Solo 401k who wants to understand whether Rocket Dollar's modern experience justifies its premium pricing.
Our Rating
MySolo401k has a higher rating based on our comprehensive review.
Pricing Comparison
| Fee Type | MySolo401k | Rocket Dollar |
|---|---|---|
| Setup Fee | $525 | $360-600 |
| Annual Fee | $125 | $360-480 |
| Monthly Fee | N/A | $30-40 |
| First Year Total | $650 | $720-1,080 |
Long-Term Cost Analysis
See how costs add up over time
| Time Period | MySolo401k | Rocket Dollar | Difference |
|---|---|---|---|
| 1 Year | $650 | $1,080 | -$430 |
| 3 Years | $900 | $2,040 | -$1,140 |
| 5 Years | $1,150 | $3,000 | -$1,850 |
| 10 Years | $1,775 | $5,400 | -$3,625 |
Green highlighting indicates the lower-cost option for each period.
Feature Comparison
| Feature | MySolo401k | Rocket Dollar |
|---|---|---|
Roth Contributions After-tax contributions with tax-free growth | ||
Participant Loans Borrow up to $50,000 from your plan | ||
After-Tax (Mega Backdoor) Contribute beyond standard limits | ||
Alternative Investments Real estate, crypto, private equity | ||
Checkbook Control Direct investment management |
Pros and Cons
Pros
- Lowest annual fee among full-service non-prototype providers ($125/year)
- IRS-approved plan documents
- Full checkbook control with trust account
- Wide range of alternative investments (real estate, crypto, private equity)
- Supports Mega Backdoor Roth strategy
- Can connect to any brokerage (Fidelity, Schwab, etc.)
- Includes IRS audit support at no extra cost
Cons
- Higher upfront setup fee ($525)
- Requires more self-management than prototype plans
Pros
- Modern, user-friendly online dashboard
- Trust checking account with unlimited transactions
- Strong expertise in real estate investments
- Concierge onboarding support
- Multi-account discounts for families/businesses
Cons
- Higher total costs than competitors
- Monthly fee structure adds up over time
- Domestic investments only (no international)
User Sentiment
MySolo401k
Receives the highest rating in the unbundled document provider category. Users specifically cite "Daily Office Hours" webinars and active community forums as standout support features. Users feel supported in complex compliance matters.
Rocket Dollar
Mixed rating. While the interface is modern, there is a persistent thread of negative reviews regarding Silver tier support responsiveness. Users often feel forced to upgrade to Gold to get timely answers. Dependence on email support rather than open phone lines or webinars is a friction point.
Our Verdict
MySolo401k is the clear winner in this comparison, primarily due to its substantial cost advantage. At $650 for your first year versus Rocket Dollar's $1,080, you save $430 immediately. But the real savings emerge over time: that $355 annual fee difference means you'll save over $3,500 across a decade of plan ownership.
Both providers offer comparable core functionality—checkbook control, alternative investments, and self-directed flexibility—so you're not sacrificing capabilities by choosing the more affordable option. MySolo401k also provides meaningful extras that Rocket Dollar charges premium prices for, including IRS audit support and the flexibility to use your preferred brokerage like Fidelity or Schwab. The active community with daily office hours offers ongoing support without additional cost.
Rocket Dollar's advantages are real but narrow: the modern dashboard is genuinely easier to navigate, and the Gemini crypto integration is convenient for digital asset investors. However, these benefits don't justify paying nearly four times the annual fee. Unless you specifically need Rocket Dollar's crypto infrastructure or strongly prefer their user interface, MySolo401k delivers better value for the vast majority of self-employed investors seeking a full-featured Solo 401k plan.
Which Provider is Right for You?
Choose MySolo401k if:
Choose MySolo401k if you want the most cost-effective full-featured Solo 401k available. It's ideal for investors who value low ongoing costs, want flexibility in choosing their own brokerage, need IRS audit protection included, or plan to hold the account long-term where fee savings compound significantly. The active community support suits those comfortable with self-directed investing.
Choose Rocket Dollar if:
Choose Rocket Dollar if cryptocurrency investing through Gemini is central to your strategy and you value having that integration built into your dashboard. It's also suitable for investors who prioritize a polished modern interface and prefer concierge-style onboarding over self-service setup, and who are comfortable paying premium fees for that experience.