401(k) and 403(b) Retirement Plans

These pages group the most common employer retirement account variants used by U.S. workers and owner-only businesses.

In this section

• 401(k) Plan
  Employer-sponsored U.S. retirement plan combining payroll contributions, tax advantages, and often employer matching.
• 403(b) Plan
  Retirement plan for public-school employees, ministers, and certain tax-exempt organizations, often compared with a 401(k) but built around a different eligible workforce.
• Roth 401(k)
  401(k) contribution option funded with after-tax money, trading current tax relief for tax-free qualified withdrawals later.
• Safe Harbor 401(k)
  401(k) design that uses required employer contributions to simplify key nondiscrimination compliance requirements.
• Solo 401(k)
  401(k)-style retirement plan built for self-employed people and owner-only businesses.