Easily create and download your Form 5305-SEP, Simplified Employee Pension (SEP-IRA) Plan Agreement, with our intuitive, fillable generator built for creators and service based entrepreneurs who want to set up retirement benefits. Answer a few quick questions, let the tool guide you through plan establishment, and generate a fully compliant Form 5305-SEP you can use to establish your SEP-IRA, all in minutes and completely free.
Instant. secure. and 100 percent cost free forms ready to download and use today.
When you work for yourself, setting up retirement benefits should be simple. Otto helps creators skip complicated IRS instructions so you can establish a SEP-IRA confidently and start saving for retirement.
Free—no hidden fees
Automatic IRS form detection
Tailored questions for creator and service based workflows
Real time deduction estimates
Error checks before submission
Does my setup actually qualify for the home office deduction” should not be a guess that risks an audit. Otto AI Form 5305-SEP Generator gives real time guidance before you type a single line.
Fast eligibility check for creators
Payer acknowledgement tracking
Automatic resend triggers
Treaty-rate promise” support
Your Form 5305-SEP includes personal and financial information. Otto locks every keystroke and produces an e sign ready PDF. so your details stay encrypted and protected.
Clear. plain English field explanations
Tooltips for creator specific expense types
Official IRS layout preserved
Simple guidance on direct and indirect expenses
Finishing the form is only part of the job. Getting your financial institution to accept it is the rest. Otto makes file delivery smooth across the platforms creators rely on.
Live chat with tax specialists
Bulk document requests
Automatic reminders for annual filings
Support ticket timeline
Designed to help creators streamline retirement plan setup and establish SEP-IRAs for themselves and eligible employees.
Enter Your Details
Open the generator and answer a few simple questions. Otto guides creators through SEP-IRA eligibility and plan requirements so you always know whether you can establish a plan.
Review Your Form
Enter your business information, eligible employees, and contribution percentages. Your information stays protected with AES 256 encryption the entire time.
Download and Share
Click Download to receive a fillable. IRS compliant PDF you can sign digitally or print. It is 100 percent free. and you can re download anytime.
Free, secure, mobile friendly, and IRS ready. Everything creators need to establish SEP-IRAs accurately and start saving for retirement.
Simple fields designed for creators who do not want to read IRS manuals. fast and accurate data entry.
No fees. no credit card. just generate and download instantly.
Every form follows official IRS guidance for SEP-IRA plan establishment.
Keep your completed Form 5305-SEP as a fillable PDF for future records or audits.
Your personal information stays encrypted throughout the entire process.
Generate and download Form 5305-SEP from any device. anywhere. anytime.
Quick access to the most commonly used tax forms for your business and personal needs.
End-to-end financial management that scales with every stage of your
business.
Straight from our customers—how Otto is changing the way creative businesses manage money.
Creators, freelancers, small business owners, and any self-employed professional who wants to establish a SEP-IRA retirement plan for themselves and eligible employees.
Yes, as long as you meet IRS requirements for SEP plans. Otto walks you through this with simple questions and examples built for creator workflows.
Yes. Otto AI automatically calculates contribution percentages, applies IRS limits, and determines the maximum contributions you can make based on employee compensation.
Reopen your saved form, update employee information or contribution percentages, and generate a fresh PDF. The system keeps an audit log so you stay compliant.
Absolutely. We tell you exactly what information is needed, which employees are eligible, contribution limits, and how to properly establish your SEP-IRA plan.
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