Solo 401(k) Calculator
2026Calculate employee + employer Solo 401(k) contributions. Compare to SEP IRA limits.
Employee Contribution
$24,500.00
Employer Contribution
$27,880.57
Total Contribution
$52,380.57
Contribution Breakdown
| Employee Deferral (traditional) | $24,500.00 |
| Employer Profit Sharing (20%) | $27,880.57 |
| 2026 Total Cap | $72,000.00 |
| Your Total Contribution | $52,380.57 |
| Effective Savings Rate | 34.92% |
Solo 401(k) vs SEP-IRA
| Solo 401(k) Total | $52,380.57 |
| SEP-IRA Max | $27,880.57 |
| Solo 401(k) Advantage | $24,500.00 |
| Estimated Tax Savings | $12,571.34 |
Use the Solo 401(k) Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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