The AI-native 401(k)
built for modern companies
Basic Capital offers 6,000+ investment options, compliance that runs in the background, and engagement tools your team can use.
Next-generation companies use Basic Capital for their 401(k)
We help you choose what is right for you. A retirement specialist you can rely on.
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Safe Harbor 401(k)
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Skip annual compliance testing for good. Fund the required match, and let your whole team, founders included, max out their savings.
Traditional 401(k)
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Full control over vesting, matching, and profit sharing, backed by real-time compliance testing so year-end never catches you off guard.
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Pooled Plans
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For PEOs and advisors, stand out with a modern 401(k) solution that is built for scale.
Not bolted onto decades-old infrastructure.
Designed from scratch as one modern, AI-native platform.
Invest in what you want
Open-architecture investing with 6,000+ funds, plus a self-directed window for single-name stocks, ETFs, crypto, and alternatives.
Max out savings
Put more after-tax dollars to work,
so employees invest more with every contribution.
Know where you stand in real time
Always know where you stand on compliance testing with the compliance dashboard. Get a notification before you are at risk of failing.
Get answers, instantly
Ask Basic Capital AI anything about your plan and participants, and get workforce financial-health insights on demand. No CSV exports, no formulas, just answers.
Near instant support from real humans
Operational excellence, delivered by a human team that responds fast and resolves faster.
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How customers are turning
the Basic Capital 401(k)s into a competitive edge
Hear why companies across industries are changing the way they 401(k).
People notice when 401(k)s
start working differently
Basic Capital has been covered by the publications shaping the financial conversation.
Exclusive: Basic Capital raises $25 million to reinvent 401(k)s
Basic Capital Closes $25 Million Series A Funding Round Led by Forerunner and Lux Capital
Basic Capital Closes $25 Million Series A Funding Round
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Basic Capital Secures $25M Series A Funding
Basic Capital Secures $25M Series A Funding
This isn't your standard 401(k)
Your team isn't one-size-fits-all. Your 401(k) shouldn't be either.