Alternatives / Vestwell
Vestwell alternative for gig and 1099 workers
Vestwell sells retirement plans through employers, payroll platforms, banks and states. An individual cannot sign up for those employer plans directly. The exception is its Solo(k), which a self-employed person can set up.
Someone with 1099 income usually cannot join a Vestwell employer plan. Gigaverse covers irregular gig income with quarterly tax estimates, free calculators, a state auto-IRA tracker and guides. Retirement account opening is not available today.
Vestwell vs. Gigaverse
| Vestwell | Gigaverse | |
|---|---|---|
| Who can sign up | Retirement plans are sold through employers, payroll platforms, banks and states. Individuals cannot sign up for those employer plans directly. The Solo(k) is the exception. As of Oct 2026. vestwell.com | No retirement account is open today. The PRActicle™ Roth IRA is waitlist-only. Solo 401(k) and SEP IRA account opening is coming soon. |
| 1099 contractors | Vestwell's help center says workers classified as independent contractors (1099) are not eligible to participate in employer plans on its platform. As of Oct 2026. Vestwell Help Center | Built for 1099 income that can come from more than one platform. Quarterly tax estimates follow tracked earnings. Estimates, not a filed return. |
| Solo(k) price | The plan provider's pricing page lists the Solo(k) at $45 a month plus 0.30% of assets, as of Oct 2026. Vestwell Solo(k) pricing | Free plan $0. Pro $4.99/mo. Wealth Builder $9.99/mo. That is the app subscription. It is not a retirement-account fee, because account opening is not available today. |
| State auto-IRAs | The Illinois Treasurer's May 2026 release says Vestwell powers 13 of 15 active state auto-IRA programs. Those programs are mostly for W-2 employees whose employer has no plan, and most do not cover 1099 workers. CalSavers is run by Ascensus, not Vestwell. Illinois Treasurer, May 2026 | A free state auto-IRA tracker for all 50 states and D.C. It does not open or administer a state program. |
Vestwell prices and eligibility are from Vestwell's own pages as of October 2026. The 13-of-15 auto-IRA count is from the Illinois Treasurer's May 2026 release. Those pages may have changed: vestwell.com, Vestwell Help Center: who counts as an employee, Vestwell Solo(k) pricing, Illinois Treasurer, May 6, 2026. Vestwell is a trademark of its owner. Gigaverse is not affiliated with Vestwell. This page does not use Vestwell logos.
What Gigaverse offers gig and 1099 workers
Gigaverse is for income that changes from week to week and can come from more than one platform, including Uber, DoorDash, Lyft, Instacart, Upwork, Stripe, Etsy and direct invoices. Quarterly tax estimates use the earnings you track. Mileage is a trip you start and stop. It is not background tracking.
Free calculators include Solo 401(k) vs SEP IRA, 1099 quarterly taxes and mileage. The state auto-IRA tracker lists each program, whether the employer mandate covers a 1099 contractor, and whether a self-employed person can enroll. Guides cover Solo 401(k) contribution limits, SEP IRAs and state auto-IRAs. An AI money coach answers with your own numbers.
Gigaverse does not offer a live retirement account. The PRActicle™ Roth IRA is waitlist-only and is not open today. Solo 401(k) and SEP IRA account opening is coming soon. Auto-invest is not available today.
Gigaverse is not affiliated with Vestwell. This page does not use Vestwell logos and does not imply a partnership.
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Questions
Can a 1099 contractor join a Vestwell employer plan?
Vestwell's help center says workers classified as independent contractors (1099) are not eligible to participate in employer plans on its platform. That is separate from its Solo(k), which a self-employed person can set up.
Can I sign up for Vestwell on my own?
Vestwell sells retirement plans through employers, payroll platforms, banks and states. An individual cannot sign up for those employer plans directly. The exception is the Solo(k).
What does Vestwell's Solo(k) cost?
The plan provider's pricing page lists the Solo(k) at $45 a month plus 0.30% of assets, as of October 2026 (https://www.vestwell.com/plan-comparison-employers). Prices can change. Check that page before you rely on the figure.
Does Vestwell run CalSavers?
No. CalSavers is run by Ascensus, not Vestwell. The Illinois Treasurer's May 2026 release says Vestwell powers 13 of 15 active state auto-IRA programs. Those programs are mostly for W-2 employees whose employer has no plan, and most do not cover 1099 workers. The state-by-state table is the Gigaverse tracker.
Does Gigaverse open a retirement account today?
No. The PRActicle™ Roth IRA is waitlist-only and is not open today. Solo 401(k) and SEP IRA account opening is coming soon. Calculators, the state auto-IRA tracker and the guides are available now. Free plan $0. Pro $4.99/mo. Wealth Builder $9.99/mo. The Android app is on Google Play, the iPhone app is in App Store review, and the product also runs in a browser.
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Gigaverse AI, Inc. is a financial technology company, not a bank, and not itself a registered investment adviser or broker-dealer. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Investing involves risk. Tax figures are estimates, not tax advice.