Self-employed? You could
be saving up to $36K in
taxes.*
Every year.
The Tactical IRA™ is a managed self-employed IRA that calculates your safe contribution limit every month — so you maximize savings without the guesswork.
SEC-Registered RIA + Fiduciary + SIPC Insured up to $500K
*Maximum savings assumes $77K in annual contributions ($70K SEP + $7K Traditional IRA) at top federal (37%) and state (10%) tax brackets. Your actual savings depend on income, tax situation, and contribution amount.
YOUR 2026 LIMIT
$25,500
Based on your income
$8,160
this year
92%
income tracked
$2,125
safe to contribute
$15K+
Typical Tax Savings*
5 min
Start your Account
3+ yrs
Portfolio Track Record**
*Based on users earning $150k+ contributing at least 15% of net income.
Individual results vary based on income, tax bracket, and contribution
amount.
**Past performance is not indicative of future results.
Investment returns and principal value will fluctuate.
Three steps. Zero guesswork.
We build your Tactical IRA™
We create the right combination of accounts for your unique situation. SEP IRA, Traditional, Roth whatever fits. Done in minutes.
Contribution Intelligence Engine
We calculate your safe limit. Know exactly how much you can contribute today, not at tax time. Updated as your income changes.
Learn how it works →We invest it for you
Automatic contributions and professional investing. You set it, we handle the rest.
The right accounts for your situation
Based on your income, business structure, and goals, we determine the optimal legal account structure then automatically calculate how much to put in each. Learn more about The Tactical IRA™ →
SEP IRA
The workhorse for self-employed retirement. High limits, simple setup, tax-deferred growth.
Best for: High earners, sole proprietors, those wanting maximum tax deferral
Traditional IRA
Additional tax-deferred savings on top of your SEP. Often used for Backdoor Roth conversions.
Best for: Supplemental savings, Backdoor Roth strategy
Roth IRA
Tax-free growth and withdrawals in retirement. We handle Backdoor Roth conversions automatically.
Best for: Tax diversification, younger savers, high future tax bracket
Solo 401(k)
Employee + employer contributions with built-in Roth option. Can beat SEP IRA limits for some income levels.
Best for: Self-employed wanting Roth 401(k) option, loan provisions
HSA
Triple tax advantage: deductible contributions, tax-free growth, tax-free withdrawals for medical expenses.
Best for: Those with high-deductible health plans, long-term medical savings
Crypto Custody
Hold Bitcoin, Ethereum, and more in your retirement account. Potentially higher returns with tax-deferred or tax-free growth.
Best for: Crypto believers seeking tax-advantaged long-term holdings
We figure this out for you. Based on your income, business structure, and goals, we'll recommend exactly which accounts to use and how much to put in each. Learn more about The Tactical IRA™ →
Compare Your Options
See what you could be missing with a standard retirement account.
Regular IRA
$7,000/year limitThe standard retirement account most people know about.
- Easy to open at any brokerage
- Familiar and straightforward
- $7,000/year contribution cap
- ~$2,200/year max tax savings
- Not designed for self-employed
Sidepocket Tactical IRA™
Up to $77,000+/yearA managed retirement account built for variable income.
- Much higher contribution limits
- We calculate your safe monthly amount
- We handle setup and compliance
- Active tactical investing with auto-rebalancing
- Up to $22,400/year in tax savings*
Not sure? Try the calculator to see your potential savings.
How It Works
Get started in 3 simple steps.
Connect Your Accounts
Link your business bank in 2 minutes via Plaid. 5,500+ banks supported.
We Calculate Your Limit
Our Contribution Intelligence Engine analyzes your income patterns and tells you exactly how much to contribute each month.
How does our Contribution Intelligence Engine work? →Choose & Grow
Select from tactical portfolios matched to your goals. Automatic contributions, investing, and rebalancing. You focus on your work.
Calculate Your Tactical IRA™ Limit
See how much you could save with the Tactical IRA™ based on your income.
Powered by Sidepocket's proprietary Contribution Engine technology that analyzes your income patterns to estimate safe monthly contribution amounts throughout the year.
This affects how aggressively we recommend contributions early in the year
*Estimates only. Actual contribution limits determined by IRS rules, your net self-employment income, and entity type. Sidepocket is an SEC-registered Investment Advisor not a tax advisor. Your tax professional determines final contribution eligibility. Full disclosures →
Your Money is Safe
Bank-level security and regulatory protection.
256-bit Encryption
Your data is protected with the same encryption used by major banks.
SEC Registered
Sidepocket is a registered investment advisor, legally bound to act in your best interest.
SIPC Insured
Your investments are protected up to $500,000 through SIPC insurance provided through Apex Fintech Solutions, our custody party .
Apex Clearing
Your funds are held by Apex Clearing, one of the largest clearing firms in the US.
Simple pricing. Serious savings.
All plans include automated contributions, tactical investing, and tax documentation.
Starting at
/month
- Monthly contribution limits calculated for you
- Auto-contributions from your bank
- 3 portfolio options with monthly rebalancing
- Tax documentation included
+ 0.79% annual AUM fee on invested assets
SEC-Registered RIA • Apex Clearing Custody • SIPC Insured up to $500K
View all plans including Tactical and Lifetime →*Subscription fees may be deductible as a business expense for self-employed individuals; consult your tax professional. Sidepocket is an SEC-registered Investment Advisor with fiduciary duty. Not a CPA or tax advisor.
Retirement Savings 101
New to this? Here's a quick primer on how retirement accounts work for self-employed people.
Spend Less Time (and Money) on Tax Prep
Your CPA will thank you
Most self-employed people overpay for retirement planning because they're starting from scratch:
We work alongside your tax advisor to streamline your retirement contributions reducing billable hours, eliminating guesswork, and empowering you to show up prepared.
Less back-and-forth. Lower costs. Better outcomes.
Frequently Asked Questions
Still have questions?
Tax Savings Guarantee
We guarantee you'll save more in taxes than you pay for Sidepocket's subscription or we'll refund the difference.
Terms of service apply. See details.
Stop Leaving Money on the Table
Every month you wait is money lost to taxes and missed compounding. See exactly how much you could be saving.
5-minute setup · Cancel anytime · Tax-deductible