Rocket Dollar Solo 401k Review (2026)
Rocket Dollar provides a polished digital experience and excellent support for real estate investors, but comes at a premium price.
Our Rating
Plan Type
non prototype
First Year Cost
$720-1,080
Pricing Details
| Fee Type | Amount |
|---|---|
| Setup Fee | $360-600 |
| Monthly Fee | $30-40 |
| Annual Fee | $360-480 |
| Total First Year | $720-1,080 |
Silver tier ($360/$30mo) or Gold tier ($600/$40mo). Gold includes Form 5500 prep.
Pros and Cons
- 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
- Higher total costs than competitors
- Monthly fee structure adds up over time
- Domestic investments only (no international)
User Sentiment Analysis
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.
Strategic Insights
- Direct API integration with Gemini enables seamless crypto trading within retirement wrapper—no hardware wallet complexity required
- Important: Coinbase is NOT supported—only Gemini for crypto
- The monthly fee structure ($360-$480/year) results in significantly higher long-term cost than MySolo401k ($125/year)
- Gold tier required for Form 5500 preparation—factor this into true cost comparison
Market Position
Rocket Dollar targets a younger, more tech-centric demographic. Their value proposition is tightly coupled with their integration with Gemini for cryptocurrency investing, though they also support general alternative assets like real estate. The "Bring Your Own Deal" (BYOD) flexibility appeals to startup investors and real estate enthusiasts.
Target Audience: Younger, tech-centric investors who prioritize modern interfaces, cryptocurrency access, and concierge support over lowest-cost options
Watch Out For
- Silver tier support responsiveness issues frequently cited in reviews
- Users feel "forced to upgrade to Gold" for timely customer support
- Email-based support only—no phone lines or live webinars like MySolo401k
- Domestic investments only—no international assets
- Higher long-term costs than most competitors
Feature Comparison
Compliance Notes
Form 5500-EZ preparation included only in Gold tier ($600 setup / $40 monthly). Silver tier users must handle compliance themselves.
Full Review
Rocket Dollar has built a reputation for their modern, user-friendly platform and strong support for alternative investments, particularly real estate.
Their Solo 401k comes with a trust checking account that allows unlimited fee-free transactions - particularly useful for real estate investors who need to write checks for earnest money, repairs, or property purchases.
The platform features a clean, modern dashboard that makes it easy to track contributions, view documents, and manage your account. Their concierge onboarding support helps new customers get set up smoothly.
Rocket Dollar specializes in real estate investments including rental properties and fix-and-flip projects. Their team has deep expertise in structuring these investments within retirement accounts.
The main drawback is cost. At $600 setup plus $40/month ($480/year), the first-year cost of $1,080 is significantly higher than competitors like MySolo401k ($650) or Carry ($299). Over time, the monthly fee structure adds up. They also limit investments to domestic assets only.
Key Features
- Traditional, Roth, and After-Tax contributions
- Participant loans
- Checkbook control
- Alternative investments (focus on real estate)
- Modern online dashboard
- Trust checking account
- Concierge support
Who Is This Best For?
Investors who prefer a modern digital experience, want concierge support, or are primarily focused on real estate investments.
Last updated: January 13, 2026