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Investing & Retirement

Solo 401(k) Calculator

Calculate your maximum self-employed retirement contribution under Solo 401(k) rules.

Total Contribution
$45,164

Inputs

After business expenses, before SE tax deduction

$5,000$1,000,000

50+ adds catch-up contribution

1875

S-Corp uses W-2 wages; sole prop uses net SE income minus 1/2 SE tax

Solo 401(k) contribution sources
$45,164total
Employee portion$23,000
Employer portion$22,164
Total$45,164
Employee Contribution Max
$23,000
Employee Contribution
$23,000
SE Tax Adjusted Income
$110,820
Employer Contribution (25% of net)
$22,164
IRS Annual Limit (2025)
$69,000
Allowed (capped at IRS limit)
$45,164
Estimated Tax Savings (24% bracket)
$10,839
Diagnostic

Your maximum Solo 401(k) contribution is $45,164 — split as $23,000 employee + $22,164 employer.

At a 24.00% bracket, that\u0027s about $10,839 in tax savings this year.

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Coach Insight

Solo 401(k) Calculator helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

Frequently Asked Questions

Everything you need to know.

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Why This Matters

Solo 401(k) Calculator helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

How to Use It

  1. 1Enter your numbers in the input panel.
  2. 2Review the live results and interpretation on the right.
  3. 3Use the goal outputs to compare options or plan the next step.
  4. 4Use the related links below if you want to move from analysis to action.
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