Solo 401k Calculator

2026 IRS limits updated. Maximize your Solo 401(k) contributions today.

The most accurate Solo 401(k) calculator for self-employed individuals and small business owners. Powered by 2026 IRS limits.

Whether you're a sole proprietor, freelancer, or S-Corp shareholder, Solo 401k Calculator helps you maximize your retirement contributions and estimate your tax savings.

KEY FEATURES: • Accurate 2026 IRS limits — $24,500 employee deferral + 25% employer profit sharing, up to $72,000 combined • SECURE 2.0 catch-up contributions — $8,000 (age 50-59, 64+) or $11,250 super catch-up (age 60-63) • Supports both Sole Proprietor/LLC and S-Corp income types • Traditional vs Roth 401k comparison with tax savings estimate • Federal tax savings calculation with marginal and effective rate breakdown • Plan comparison: Solo 401k vs SEP-IRA vs SIMPLE IRA side by side • 9 languages supported

PERFECT FOR: • Self-employed consultants and freelancers • Small business owners with no full-time employees • S-Corp shareholders and single-member LLCs • Anyone planning self-employed retirement strategy

DISCLAIMER: Results are estimates for planning purposes only. Consult a qualified tax professional for personalized advice.