Solo 401k Contribution Limits
Understand the annual limits for your Solo 401k contributions
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Quick summary of contribution limits for 2025 and 2026. Select a specific year below for detailed guidelines and examples.
Under Age 50
| Contribution Type | 2025 | 2026 |
|---|---|---|
| Employee Contribution | $23,500 | $24,500 |
| Total Contribution Limit | $70,000 | $72,000 |
Age 50 and Older
| Contribution Type | 2025 | 2026 |
|---|---|---|
| Employee Contribution | $23,500 | $24,500 |
| Catch-up Contribution | +$7,500 | +$8,000 |
| Total Employee Contribution | $31,000 | $32,500 |
| Total Contribution Limit | $77,500 | $80,000 |
Age 60-63
Note: Ages 60–63 have an enhanced catch-up limit of $11,250 per SECURE 2.0
| Contribution Type | 2025 | 2026 |
|---|---|---|
| Employee Contribution | $23,500 | $24,500 |
| Catch-up Contribution | +$11,250 | +$11,250 |
| Total Employee Contribution | $34,750 | $35,750 |
| Total Contribution Limit | $81,250 | $83,250 |
Detailed Year Guides
Select a year to view comprehensive contribution guidelines, including employer contributions, calculation methods, and practical examples:
2026 Contribution Limits
Explore the updated 2026 Solo 401k contribution limits, including the latest IRS adjustments for inflation.
2025 Contribution Limits
View the complete guide to 2025 Solo 401k contribution limits, including employee deferrals, employer contributions, and catch-up provisions.
2024 Contribution Limits
Review the 2024 Solo 401k contribution limits for tax year 2024 filings and historical reference.