The financial app for the self-employed.
A portable Roth IRA, automated quarterly taxes, deduction tracking, and instant pay — built for people without an employer 401(k).
Connects with the platforms you already use
A portable Roth IRA
The PRActicle™ portable Roth IRA (via a FINRA/SIPC-member broker-dealer) takes post-tax contributions up to $7,500/year ($8,600 if 50+), grows tax-free, and is auto-invested from every payment — qualified withdrawals are tax-free.
Every deduction captured
Home office, equipment, software, mileage, and more on Schedule C — categorized automatically.
Quarterly estimates handled
Gigaverse calculates your quarterly taxes and reminds you before each deadline.
Instant settlement
Get paid in under a minute via stablecoin rails.
Self-Employed Worker questions, answered
What is the best retirement plan if I am self-employed?+
The Gigaverse PRActicle™ is a portable Roth IRA (via a FINRA/SIPC-member broker-dealer): post-tax contributions up to $7,500/year ($8,600 if 50+) that grow tax-free. Higher earners may also consider a SEP IRA or Solo 401(k) (opened at a separate brokerage); compare with our calculators — this is not individualized tax advice.
How does Gigaverse handle my quarterly taxes?+
It estimates what you owe each quarter and reminds you before the IRS deadline. Your actual liability depends on your income and deductions.
Is Gigaverse a bank?+
No. Gigaverse is a financial app; brokerage services are provided through a FINRA/SIPC-member broker-dealer.
Self-Employed Worker deep-dive guides
Self-Employed Worker Taxes
If you work for yourself, no one withholds taxes and there's no W-2 — you owe income tax plus self-employment tax and pay it yourself, four times a year. Done right, deductions keep the bill manageable.
Read the guideSelf-Employed Worker Retirement
Working for yourself means no employer 401(k) — but it also means access to retirement accounts with dramatically higher limits than most employees get. The hard part is just funding them consistently.
Read the guideSelf-Employed Worker write-offs
Self-employed individuals bear the full 15.3% self-employment tax on top of income tax — but the tax code provides a robust set of above-the-line deductions designed specifically for you. Using every eligible write-off is not aggressive planning; it is what these provisions exist for.
Read the guideGigaverse is built for every kind of independent worker
Free calculators for self-employed workers
Ready to keep more of what you earn?
Free to open Instant pay Portable IRA
Gigaverse is not a bank. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Tax outcomes depend on your individual circumstances; Gigaverse does not guarantee any specific savings.