Easily create and download your Form 5500-EZ, Annual Return for One-Participant 401(k) Plans, with our intuitive, fillable generator built for creators and service based entrepreneurs who maintain solo 401(k) plans. Answer a few quick questions, let the tool auto calculate plan assets and participants, and generate a fully compliant Form 5500-EZ you can file with the IRS, 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, filing annual retirement plan returns should be simple. Otto helps creators skip complicated IRS instructions so you can file your solo 401(k) return confidently and stay compliant.
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 5500-EZ 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 5500-EZ 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 it filed electronically with the IRS 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 annual retirement plan filing and stay compliant with IRS requirements.
Enter Your Details
Open the generator and answer a few simple questions. Otto guides creators through plan assets, participants, and filing requirements so you always know whether you need to file.
Review Your Form
Enter your plan year, total assets, participant information, and plan details. 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 file accurately and stay compliant with retirement plan requirements.
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 one-participant 401(k) plan returns.
Keep your completed Form 5500-EZ as a fillable PDF for future records or audits.
Your personal information stays encrypted throughout the entire process.
Generate and download Form 5500-EZ 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, and any self-employed professional who maintains a one-participant 401(k) plan (solo 401(k)) and needs to file annual returns with the IRS.
You must file if your plan assets exceed $250,000 at year-end or if it's the final plan year. Otto walks you through this with simple questions and examples built for creator workflows.
Yes. Otto AI automatically checks asset thresholds, verifies filing requirements, and determines whether you need to file based on your plan's total assets.
Reopen your saved form, update your plan assets and participant information, and generate a fresh PDF. The system keeps an audit log so you stay compliant.
Absolutely. We tell you exactly when to file, what information is required, filing methods, and how to avoid penalties for late or missed filings.
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