Solo 401(k) & SEP-IRA contribution calculator

If you're self-employed with no full-time employees, see your maximum 2026 retirement contribution — and which plan lets you put away more.

Estimate only, for planning — not tax or investment advice. Uses 2026 limits (Notice 2025-67): $24,500 employee deferral, $8,000 catch-up at 50+ (and $11,250 at ages 60–63), the $72,000 §415(c) annual-additions limit, and the $360,000 compensation cap. For the self-employed, the employer contribution is 20% of net earnings (net profit less half of self-employment tax); for S-corp/corporate owners it's 25% of W-2 wages. Assumes no other full-time employees (a Solo 401(k) generally requires that) and a single employer. A Solo 401(k) generally must be established by your business's year-end to make employee deferrals. Catch-up contributions are additional to the §415(c) limit. Confirm your situation with a CPA before contributing.