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- [My Books](https://www.amazon.com/Mike-Piper/e/B002BMBR3O/?tag=obliviousinve-20) - [About](https://obliviousinvestor.com/about/) - [Contact](https://obliviousinvestor.com/contact/) - [Archives](https://obliviousinvestor.com/archives/) [Oblivious Investor](https://obliviousinvestor.com/) Low-Maintenance Investing with Index Funds and ETFs  - [Home](https://obliviousinvestor.com/) - [Taxes]() - [2026 Tax Brackets](https://obliviousinvestor.com/2026-tax-brackets/) - [2025 Tax Brackets](https://obliviousinvestor.com/2025-tax-brackets/) - [How Are S-Corps Taxed?](https://obliviousinvestor.com/s-corporation-tax-introduction/) - [How to Calculate Self-Employment Tax](https://obliviousinvestor.com/how-to-calculate-self-employment-tax/) - [LLC vs. S-Corp vs. C-Corp](https://obliviousinvestor.com/llc-vs-s-corp-vs-c-corp/) - [SEP vs. SIMPLE vs. Solo 401(k)](https://obliviousinvestor.com/sep-vs-simple-vs-solo-401k/) - [Accounting]() - [How to Calculate Amortization Expense](https://obliviousinvestor.com/how-to-calculate-amortization-expense/) - [How to Calculate Cost of Goods Sold](https://obliviousinvestor.com/how-to-calculate-cost-of-goods-sold-cogs/) - [How to Calculate Depreciation Expense](https://obliviousinvestor.com/how-to-calculate-depreciation-expense/) - [Contribution Margin Formula](https://obliviousinvestor.com/contribution-margin/) - [Direct Costs vs. Indirect Costs](https://obliviousinvestor.com/direct-cost-indirect-cost/) - [Can I Retire?]() - [401k Rollover to IRA: How, Why, and Where](https://obliviousinvestor.com/should-i-rollover-my-401k-into-an-ira/) - [What’s Your Funded Ratio?](https://obliviousinvestor.com/whats-your-funded-ratio/) - [Investing 101]() - [Why Invest in Index Funds?](https://obliviousinvestor.com/index-funds/) - [8 Simple Portfolios](https://obliviousinvestor.com/8-sample-and-simple-portfolios/) - [Social Security]() - [How is Social Security Calculated?](https://obliviousinvestor.com/how-social-security-benefits-are-calculated/) - [How Social Security Benefits Are Taxed](https://obliviousinvestor.com/how-is-social-security-taxed/) - [When to Claim Social Security](https://obliviousinvestor.com/social-security-benefits-single/) - [Social Security Strategies for Married Couples](https://obliviousinvestor.com/social-security-strategies-for-married-couples/) - [Charitable Giving]() - [Deduction Bunching](https://obliviousinvestor.com/tax-planning-tip-pay-attention-to-timing/) - [Donor-Advised Funds: What’s the Point?](https://obliviousinvestor.com/whats-the-point-of-a-donor-advised-fund/) - [Qualified Charitable Distributions (QCDs)](https://obliviousinvestor.com/whats-the-most-tax-efficient-way-to-give/) # Solo 401(k) Contribution Calculator Please note that this calculator is only intended for sole proprietors (or LLCs taxed as such). If your business is an S-corp, C-corp, or LLC taxed as such, please consult with your tax professional. Your maximum solo 401(k) contribution for is , which consists of: - An employee contribution of , plus - An employer contribution of , plus - A catch-up contribution of . ### Where Did This Answer Come From? With a solo 401(k), you are allowed to make contributions in the role of employee and the role of employer. Specifically, you are allowed to make: 1. An employee contribution of for , 2. An employer contribution of 20% of your “net earnings from self-employment” ([Yes, it really is 20% and not 25%.](https://obliviousinvestor.com/digging-into-solo-401k-contribution-limit-math/)), and 3. A catch-up contribution of for if you are 50 or older. In this case, your net earnings from self-employment is defined as your business’s profit (), minus the deduction for one half of your self-employment tax (). However, there are an assortment of limitations to the above contributions. 1. If you have another job (i.e., a “day job”), your maximum employee contribution is reduced by any contributions you made as an employee to another 401(k) or 403(b). Ditto for catch-up contributions. 2. The employer contribution is limited to half of the difference between your net earnings from self-employment and the employee contribution. ([See this article for an explanation of where this limit comes from.](https://obliviousinvestor.com/digging-into-solo-401k-contribution-limit-math/)) 3. The employee and employer contributions are limited to a combined total of for . 4. The total contribution is limited to your net earnings from self-employment. Important notes: - Various amounts in this explanation may be off slightly due to rounding of cents. - Solo 401(k) plans are complicated, so it’s likely a good idea to consult with your tax professional. #### Welcome  Hi. I'm Mike Piper, the author of this blog. I'm [a CPA](https://michaelrpiper.com/) and the author of several personal finance books. The point of this blog is to show that investing doesn't have to be complicated. [Click here](https://obliviousinvestor.com/about/) to read more, or enter your email address in the blue form to the left to receive free updates. #### My Latest Books [](http://www.amazon.com/dp/1950967123/?tag=obliviousside-20) ***After the Death of Your Spouse: Next Financial Steps for Surviving Spouses*** [See it on Amazon](http://www.amazon.com/dp/1950967123/?tag=obliviousside-20) [](http://www.amazon.com/dp/1950967123/?tag=obliviousside-20) [](http://www.amazon.com/dp/1950967131/?tag=obliviousside-20) ***More than Enough: A Brief Guide to the Questions That Arise After Realizing You Have More Than You Need*** [See it on Amazon](http://www.amazon.com/dp/1950967131/?tag=obliviousside-20) [](http://www.amazon.com/dp/1950967131/?tag=obliviousside-20) **Disclaimer:** By using this site, you explicitly agree to its Terms of Use and agree not to hold Simple Subjects, LLC or any of its members liable in any way for damages arising from decisions you make based on the information made available on this site. The information on this site is for informational and entertainment purposes only and does not constitute financial advice. Copyright 2026 Simple Subjects, LLC - All rights reserved. To be clear: This means that, aside from small quotations, the material on this site **may not be republished elsewhere without my express permission**. [Terms of Use](https://www.obliviousinvestor.com/terms-of-use/) and [Privacy Policy](https://www.obliviousinvestor.com/privacy-policy/) My Social Security calculator: [Open Social Security](http://opensocialsecurity.com/)

**Disclaimer:** By using this site, you explicitly agree to its Terms of Use and agree not to hold Simple Subjects, LLC or any of its members liable in any way for damages arising from decisions you make based on the information made available on this site. The information on this site is for informational and entertainment purposes only and does not constitute financial advice. Copyright 2026 Simple Subjects, LLC - All rights reserved. To be clear: This means that, aside from small quotations, the material on this site **may not be republished elsewhere without my express permission**. [Terms of Use](https://www.obliviousinvestor.com/terms-of-use/) and [Privacy Policy](https://www.obliviousinvestor.com/privacy-policy/) My Social Security calculator: [Open Social Security](http://opensocialsecurity.com/)