Download the Schwab app from iTunes®Get the AppClose

Let's chat
Professional answers 24/7
Hi, have questions about our small business solutions? I can help …
Live chat


  • Share this page

A SEP-IRA is one of the easiest small business retirement plans to set up and maintain. You can make sizable contributions for yourself and any eligible employees. There’s little administration, and tax filing isn’t required. And you can vary contributions from year to year—or even skip a year.

What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply1.
  • Account minimum: $0
  • Commissions: $0 per online trade;2 $0 per Schwab ETF online trade in your Schwab account3

There are no fees to open or maintain your account. Other fees may apply; please see Account Pricing.

What do I get with this SEP-IRA?

Every Schwab account comes with one-on-one investment help and guidance. With this account, you’ll also get:

  • Tax-deductible contributions that vest immediately
  • Tax-deferred earnings
  • Flexible annual contributions
  • High contributions for you
  • A way to contribute to qualified employees’ accounts
  • Retirement planning tools and resources
  • 24/7 service and support

Take the next step.

Open a Schwab SEP-IRA today.

Get detailed instructions above in Establish Your Plan.

Or call 800-435-4000.

Ready to get started?

Open a SEP IRA Account

If you are a single owner sole proprietor, you can setup a SEP plan and open a SEP IRA online. You will be required to upload a signed Employer’s Agreement and Adoption Agreement during account open.

Not a single owner sole proprietor? Click on the Establish Your Plan tab and follow the directions to open the account by paper application.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses.  You can obtain a prospectus by visiting  Please read the prospectus carefully before investing.