The AI-native 401(k)
built for modern companies
Basic Capital offers flexible investment options, compliance that runs in the background, and engagement tools your team can use.
100+ next-generation companies use Basic Capital for their 401(k)
Pick the right 401(k) plan for your team
We help you choose what is right for you. A retirement specialist you can rely on.
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Safe Harbor 401(k)
Skip annual compliance testing for good. Fund the required match, and let your whole team, founders included, max out their savings.
Traditional 401(k)
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
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.
Plan migration should feel effortless for your team
Basic Capital offers a white glove service to support your move to our platform. Let your old record-keeper know you're transitioning and our team will handle the rest.
Near instant support from real humans
Operational excellence, delivered by a human team that responds fast and resolves faster.
day
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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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VanEck Crypto ETFs Enter 401(k) Plans Through Basic Capital
US fintech Basic Capital hires inaugural GC from Goldman Sachs
This isn't your standard 401(k)
Your team isn't one-size-fits-all. Your 401(k) shouldn't be either.