Solo 401k Contribution Limits
With a Solo 401k plan, the business owner is seen as the employee and employer of the business. Therefore, his or her Solo 401k contribution limits include both salary deferrals and profit sharing contribution.
Use the Solo 401k Contribution Calculator to determine your contribution limit this year:
Contribution Limits
|
Type |
2025 Maximum |
2026 Maximum |
Additional info |
|
Employee/ Elective deferrals |
$23,500
|
$24,500 |
|
|
Employee catch-up if age 50+ |
$7,500
|
$8,000 |
Catch-up can be made as pre-tax or Roth, but if you are a higher-paid employee, the catch-up must be made as a Roth
|
|
Employee “super” catch-up if age 60-63 by the end of the year |
$11,250
|
$11,250 |
“Super” catch-up can be made as pre-tax or Roth, but if you are a higher-paid employee, the catch-up must be made as a Roth
|
|
After-tax |
$70,000 |
$72,000 |
|
|
Employer/ Profit sharing |
20% for tax status: sole proprietorship 25% for tax status: corporation |
20% for tax status: sole proprietorship 25% for tax status: corporation |
Can be made as pre-tax or Roth
|
|
TOTAL |
$70,000 $77,500 (incl catch-up if age 50+) $81,250 (incl catch-up for 60-63 by end of 2025) |
$72,000 $80,000 (incl catch-up if age 50+) $83,250 (incl catch-up if 60-63 by end of 2026) |
Your total contributions to the Solo 401k for this year cannot exceed this maximum |
Solo 401k contributions: the largest tax benefits allowed by the tax code
Tony Watson EA, a tax consultant at Robert Hall & Associate, explains how investors can save thousands of dollars in taxes by contributing to a Solo 401k.
“The wise man saves for the future, but the foolish man spends whatever he gets.”
Proverbs 21:20
What our clients are saying
I started a Solo 401K plan with Dmitriy’s Sense Financial in 2015. It has been a great experience since then and the Solo 401k plan has been a wonderful tool.
Tony S. – Skillman, NJ
In my opinion, anyone that owns their own business should have a Solo 401K, and I would highly recommend Sense Financial – you will not be disappointed!
Ben D. – Spokane, WA
Dmitriy and his staff have been incredibly kind, helpful, and responsive while I have been going through the process of setting up my Solo 401k plan.
Sandra H. – Chicago, IL
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Our expert team is always ready to answer you! Give us a call at (949) 272-8785. You can email us at contact@sensefinancial.com