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IRA PLANS

Simple Payroll Deductible IRAs

Simple to set up, effortless to manage, powered by both self-directed alternative investing and AI trading—so everyone’s future can grow with your business.
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  • Easy Set Up
  • No ERISA filing required
  • Flat fees, no hidden charges

Why a Payroll Deductible IRA at IRA Club SBS?

  • Up to $7,500 of employee contributions - No employer contributions required
  • Flat fees with transparent pricing - no hidden charges
  • Low-Cost AI trading platform at your team’s fingertips
  • No filings with the government to establish the program or any annual reports

Plan Benefits

  • Payroll integration with most providers
  • Record keeping
  • Government filing
  • Employee onboarding & education
  • Ongoing compliance testing
  • Reliable, human support is just a phone call away

Lead Your Team Forward with Protected AI Investing

Empower your employees with access to an AI-powered investing platform built to protect and grow wealth, at a cost that’s up to 6x lower than the industry standard.

Get Started >
for $950/ annually + $40 annually per active participant
Wealth Manager Robo Advisor Online Broker
Investments managed with AI ✓ ✓
Can choose market index strategy ✓ ✓ ✓
Low minimum investment ($500) ✓ ✓
Ability to pay 0% in fees ✓ ✓
Built with protection in mind ✓ ✓
Intuitive online experience ✓ ✓ ✓
Choose individual stocks or ETFs ✓ ✓ ✓

Invest in Alternative Assets with a Payroll Deductible IRA

Diversify your portfolio with alternative assets like real estate, private placements, and more, investing in what you know and understand to build a strategy aligned with your expertise and goals.

Real Estate

Private Lending

Syndications

Cryptocurrency

Private Placement

Precious Metals

Connect with Your Payroll Provider

Find my payroll provider
ADP
Paycor
Gusto
Quickbooks
Paylocity
Square
Deel
Rippling
Justworks
BambooHR
Patriot
TriNet
Paychex Flex
Remote
Xero
Wave Payroll
UKG
Dayforce
Workday
Toast
Can’t find your payroll provider? Give us a call

Can’t find your payroll provider? 
Give us a call

Frequently Asked Questions

What is a payroll deduction IRA, and how does it work?

A payroll deduction IRA is a streamlined retirement savings option where employees open a Traditional or Roth IRA with a financial institution and authorize automatic contributions directly from their paycheck. This makes saving simple and consistent — contributions are deducted before or after tax (depending on the IRA type) and deposited into the employee’s individual account each pay period.

Any employee who performs services for the company can participate if the employer offers a payroll deduction IRA program. Employers must offer it uniformly — it cannot be limited by job title, tenure, or classification. This flexibility makes it ideal for small businesses seeking an easy retirement benefit.

For 2026, the annual IRA contribution limit is $7,500 for individuals under age 50 and $8,100 for those age 50 and over (including the $1,100 catch-up contribution). Traditional and Roth IRAs share this combined limit, regardless of how the contributions are made (through payroll or direct deposit). These limits are set by the IRS and typically adjust annually for inflation.

A payroll deduction IRA allows only employee contributions via payroll; employers do not contribute funds. Employers simply facilitate the withholding and remittance of employee-authorized contributions. An employer-sponsored IRA plan (like a SEP or SIMPLE IRA) may include employer contributions and has additional IRS reporting or matching requirements.

Yes. Employees select whether their payroll deductions go into a Traditional (pre-tax) IRA or a Roth (after-tax) IRA based on their personal tax strategy and eligibility. Employees may also change their choice during the year as long as payroll instructions are updated.

Employees open an IRA with IRA Club SBS, then authorize their employer to deduct a chosen amount from each paycheck. Contribution amounts can be changed or stopped at any time by notifying the employer or payroll provider. 

At IRA Club SBS, our systems integrate with iFlip, a Shield+ protected AI-powered investing platform that adapts to today’s unpredictable markets, letting you and your team invest confidently without timing the market or paying high advisor fees. Additionally, alternative investments such as real estate, private equity, precious metals, cryptocurrencies, tax liens, and private loans are permitted. IRA Club SBS is not licensed to provide investment or structuring advice or make recommendations; employees must find their own alternative investments and conduct their own due diligence. See “alternative investing” for details.

At IRA Club SBS, our systems integrate with iFlip, a Shield+ protected AI-powered investing platform that adapts to today’s unpredictable markets, letting you and your team invest confidently without timing the market or paying high advisor fees. Additionally, alternative investments such as real estate, private equity, precious metals, cryptocurrencies, tax liens, and private loans are permitted. IRA Club SBS is not licensed to provide investment or structuring advice or make recommendations; employees must find their own alternative investments and conduct their own due diligence. See “alternative investing” for details. 

Traditional IRA contributions may be tax-deductible, offering immediate tax benefits. Roth IRA contributions are made with after-tax dollars and grow tax-free, but are not deductible.

Withdrawals from a Traditional IRA before age 59½ are subject to income tax and a 10% early withdrawal penalty. Roth IRA contributions can be withdrawn penalty-free at any time, but unqualified earnings withdrawn before 59 ½ may incur taxes and penalties.

Payroll deduction IRAs are easy to set up, require minimal administration, and help employees save for retirement. They offer a valuable benefit without employer contributions or complex reporting requirements, making them ideal for small businesses. Contact our onboarding specialist at IRA Club SBS here. 

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