Solo 401(k) Calculator 2025
Calculate your maximum contribution limits and tax savings
💎 Your Maximum Contribution
📖 Solo 401(k) Complete Guide
2025 Contribution Limits
- Employee Elective: $23,500 ($31,000 if 50+)
- Employer Profit Sharing: Up to 25% of W-2 wages (S-Corp) or 20% of self-employment income
- Total Annual Limit: $70,000 ($77,500 if 50+)
Key Advantages
- Highest contribution limits for self-employed
- Both employee and employer contributions
- Roth option available for employee deferrals
- Spouse can participate if employed by business
- Mega backdoor Roth potential
Business Structure Considerations
- Sole Proprietor/LLC: 20% of net self-employment income
- S-Corporation: 25% of W-2 wages (optimize salary vs distributions)