Solo 401(k) Calculator

Employee: $24,500 (+ $8,000 catch-up if 50+)
Employer: 25% of net self-employment income
Total max: $72,000 ($80,000 with catch-up)

Calculate your maximum Solo 401(k) contribution and compare with SEP IRA

Solo 401(k) plans let self-employed workers contribute as both employee ($24,500 in 2026) and employer (25% of net self-employment income), up to $72,000 total. Solo 401(k)s also offer Roth contributions and loans, which SEP IRAs do not.