Solo 401k Contribution Calculator
Estimate how much you can contribute to your Solo 401k plan based on your business structure, age, and income. This calculator helps you plan your retirement savings strategy.
Solo 401k Contribution Guide
Understanding how to maximize your retirement savings as a self-employed individual
As a self-employed individual, you can contribute to a Solo 401k in two ways: as an employee and as an employer. The formula for calculating contributions varies based on your business structure.
You can contribute up to $23,500 as an employee (or 100% of your compensation, whichever is less).
If you're 50 or older, you can make an additional catch-up contribution of $7,500, bringing your total employee contribution limit to $31,000.
If you're between ages 60-63, you qualify for a "super catch-up" contribution of $11,250, bringing your total employee contribution limit to $34,750.
Sole Proprietors/Single-Member LLCs:
You can contribute up to 20% of your net self-employment income, which is your business profit minus half of your self-employment tax.
Corporations (S-Corp, C-Corp):
You can contribute up to 25% of your W-2 compensation.
Standard Limit
$70,000
Under age 50
Age 50-59, 64+ Limit
$77,500
With catch-up contribution
Age 60-63 Limit
$81,250
With super catch-up
Employee contributions deadline:
December 31, 2025
Employer contributions deadline:
Tax filing deadline (including extensions)
Disclaimer
This calculator is for informational purposes only and should not be considered as financial or tax advice. The calculations are estimates based on current tax laws and regulations, which may change. We recommend consulting with a qualified tax professional or financial advisor for advice tailored to your specific situation.