Self-Employment 401k Calculator

Tax Year 2026 · Return due 04/15/2027

Self-Employed 401(k) Deduction Maximizer

Find the largest deductible Solo 401(k) contribution for your net self-employment income or S-corporation wages — the calculator handles the limits.

Your situation
How is your business taxed?
Sets catch-up eligibility (50+, 60–63).
Estimates income-tax savings.
Your 2026 income
Your net profit before any retirement plan deduction.

Maximum 2026 Solo 401(k) contribution

$0

Enter your figures on the left to see your maximum.

How this is calculated & 2026 limits used
Elective deferral $24,500
Catch-up 50+ $8,000
Catch-up 60–63 $12,000
Total (415(c)) $72,000
Comp limit $360,000
SS wage base $184,500
Sure Financial and Tax Services LLC · Surya Padhi, EA · Bridgewater, NJ · 908-955-0696 · contact@suryapadhiea.com
Estimates for planning only, based on IRS 2026 cost-of-living figures. Your limits depend on your plan document, entity type, and other retirement plans you participate in. This is not tax advice — confirm before funding.