💼calculator≈ 60s · 5 inputs
Solo 401(k) Contribution Calculator
Interactive Tool
≈ 60s
Solo 401(k) Contribution Calculator — 2026
Four inputs. We calculate your employee deferral, employer share, age-based catch-up, and the §415(c) combined cap.
This determines how the employer share is calculated.
Pick 'S corp' or 'Sole prop / SMLLC' above to see the right income basis.
$
Age drives catch-up eligibility: $8,000 extra at 50+, or $11,250 at 60–63.
yrs
The $24,500 employee limit is aggregated across all 401(k)-style plans in the calendar year. If you already deferred elsewhere, we reduce your Solo 401(k) cap by that amount.
$
Your maximum contribution
Pick your business type and enter your compensation — the contribution ceiling appears here.
Related reading
🔬→
Solo 401(k): Contribution Limits (Employer + Employee) and Roth Option
10 min · deep-dive
Disclaimer: Directional guidance, not tax, legal, or financial advice. Always confirm with your CPA or attorney before acting. See worthune.com/disclaimer.