A new gold standard
for the 401(k)

Basic Capital offers flexible investment options, compliance that runs in the background, and engagement tools your team can use.

Book a demo

400+ 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.

Safe Harbor 401(k)

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Explore

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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Explore

Full control over vesting, matching, and profit sharing, backed by real-time compliance testing so year-end never catches you off guard.

Pooled Plans

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Explore

For PEOs and advisors, stand out with a modern 401(k) solution that is built for scale.

Silhouettes of people standing and sitting near a large window overlooking a cityscape. The scene is in black and white, with the figures in shadow and the city skyline visible through the glass.

Purpose-built in 2026, not 1996

Purpose-built in 2026,
not 1996

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.

Explore Self-Directed

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.

Explore Self-Directed

Max out savings

Put more after-tax dollars to work with Mega Backdoor Roth,
so employees invest more with every contribution.

Explore Mega Backdoor Roth

Max out savings

Put more after-tax dollars to work with Mega Backdoor Roth,
so employees invest more with every contribution.

Explore Mega Backdoor Roth

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.

Explore Active Compliance

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.

Explore Active Compliance

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.

Explore AI Plan Assistant

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.

Explore AI Plan Assistant

Near instant support from real humans

Operational excellence, delivered by a human team that responds fast and resolves faster.

0.93

day

Average of days to resolution

minutes

Average response time

%

Issues resolved within 24 hours

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.

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

Dylan Whitmore

Head of Finance and Operations

Basic Capital Impact

%

Participation Rate

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

Dylan Whitmore

Head of Finance and Operations

Basic Capital Impact

%

Participation Rate

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

Dylan Whitmore

Head of Finance and Operations

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

VanEck Crypto ETFs Enter 401(k) Plans Through Basic Capital

US fintech Basic Capital hires inaugural GC from Goldman Sachs

Basic Capital says recordkeepers should enable participants who want their trusted advisor to manage their 401(k)….

Basic Capital at a glance

Basic Capital is a 401(k) provider for employers. It is the recordkeeper and plan administrator in one platform.

Plans

Safe Harbor, Traditional and Pooled 401(k) plans

Customers

400+ companies

Administration

Basic Capital Recordkeeping Services serves as 3(16) plan administrator, included

Investments

Open architecture with 6,000+ funds. Optional 3(38) investment fiduciary through Basic Capital Advisors, or keep your own advisor

Custody

Custody partners American Estate & Trust and Matrix Trust Company, a Broadridge company, with Apex Clearing behind the brokerage window

Security

SOC 2 Type II and SOC 1 reports, independent penetration testing, data encrypted in transit and at rest, single sign-on and multi-factor authentication

Payroll

300+ payroll integrations, including ADP, Rippling, Deel and Check-powered platforms

Features

Mega Backdoor Roth, self-directed brokerage window, live compliance testing, AI plan assistant

Onboarding

Most plans are live in 30 to 60 days. No setup or conversion fees

Support

80% of issues are resolved within 24 hours

Basic Capital at a glance

Basic Capital is a 401(k) provider for employers. It is the recordkeeper and plan administrator in one platform.

Plans

Safe Harbor, Traditional and Pooled 401(k) plans

Customers

400+ companies

Administration

Basic Capital Recordkeeping Services serves as 3(16) plan administrator, included

Investments

Open architecture with 6,000+ funds. Optional 3(38) investment fiduciary through Basic Capital Advisors, or keep your own advisor

Custody

Custody partners American Estate & Trust and Matrix Trust Company, a Broadridge company, with Apex Clearing behind the brokerage window

Security

SOC 2 Type II and SOC 1 reports, independent penetration testing, data encrypted in transit and at rest, single sign-on and multi-factor authentication

Payroll

300+ payroll integrations, including ADP, Rippling, Deel and Check-powered platforms

Features

Mega Backdoor Roth, self-directed brokerage window, live compliance testing, AI plan assistant

Onboarding

Most plans are live in 30 to 60 days. No setup or conversion fees

Support

80% of issues are resolved within 24 hours

This isn't your standard 401(k)

Your team isn't one-size-fits-all. Your 401(k) shouldn't be either.

Book a demo

A new gold standard for the 401(k)

Pick the right 401(k) plan for your team

Pick the right 401(k) plan for your team

Purpose-built in 2026, not 1996

Invest in what you want

Invest in what you want

Max out savings

Max out savings

Know where you stand in real time

Know where you stand in real time

Get answers, instantly

Get answers, instantly

Near instant support from real humans

Near instant support from real humans

day

minutes

%

Plan migration should feel effortless for your team

Plan migration should feel effortless for your team

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

%

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

%

The whole transition was honestly so easy. You guys came in, told me exactly what I needed to do and when. You didn't leave any room for errors. It was a complete white-glove service.

People notice when 401(k)sstart working differently

People notice when 401(k)sstart working differently

Basic Capital at a glance

Basic Capital at a glance

This isn't your standard 401(k)

A new gold standard
for the 401(k)

People notice when 401(k)s
start working differently

People notice when 401(k)s
start working differently