ClearYear/Calculators

Retirement

Solo 401(k) Contribution Calculator

Estimate employee deferral plus an approximate employer contribution for self-employed profit.

Use this for

  • solo consultants
  • owner-only businesses
  • late-year retirement planning
Employee deferral estimate$24,500
Employer contribution estimate$32,000
Estimated max contribution$56,500
Remaining profit after contribution$103,500

This simplified sole-proprietor estimate should be checked against your plan and tax return.

Quick facts

Keep the estimate grounded.

The 2026 employee deferral limit is $24,500.

Catch-up rules can increase the employee piece.

Employer contribution math depends on business structure.

Next tools

Useful follow-ups

Self-employedSelf-employment taxRetirementIRA contributionRetirementHSA limit