FOR START UPS

The 401(k) that grows with your business

Launch a fully managed 401(k) in minutes, claim tax credits that cover most of the cost, and give early hires a benefit that punches above your headcount.

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Why startups choose Basic Capital

Basic Capital scales with you. Start simple, then add matching, profit-sharing, or Safe Harbor as you grow and signal to early hires that you take their future seriously.

Live in minutes

Digital setup with no paperwork. We stand up the plan and invite your team.

Runs itself

payroll sync and always-on compliance keep the plan going without a benefits team.

Payroll

Basic Capital

Payroll

Basic Capital

Tax credits that pay for it

SECURE 2.0 credits can cover most or all setup and admin in the early years, often bringing net cost near zero.

Built for lean teams

No dedicated admin required

We handle recordkeeping, compliance testing, and 5500 filings.

Consumer Grade App

Employees enroll and manage savings on iOS, Android, and web.

Real people when you need them

Fast, human support so a small team never gets stuck.

Little to no cost to get started

See how SECURE 2.0 tax credits can offset most, or all, of your plan costs in the first few years.

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We have a younger team, and for me, Basic Capital was what I would have wanted for a retirement plan.

Eli wanted a 401(k) aligned with his young, financially engaged team—with scalable pricing based on actual value creation, not excessive fees, giving employees more freedom and better protection in their retirement savings.