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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa171)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits","crawl_time":1775697109,"first_indexed_time":1688221265,"http_code":200,"src_unparsed":"com,fidelity!www,\/learning-center\/smart-money\/solo-401k-contribution-limits s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"Solo 401(k) contribution limits 2025 and 2026 | Fidelity","meta_descriptions":["Solo 401(k)s are great options for those self-employed to save for retirement. Here are the contribution limits for 2025 and 2026."],"attrs_boilerpipe_text":"If you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k).\nWhatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees.\nSolo 401(k) contribution limits for 2025\nIn 2025, aggregate contributions can reach up to $70,000 if you're under 50. You can contribute an additional $7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional $11,250 in catch-up contributions if the plan allows.\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\nIn 2025, you can contribute up to $23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of $7,500, for a total employee contribution of $31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of $11,250, for a total employee contribution of $34,750.\n1\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.\n2\n The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is $350,000. As an example, a consultant under 50 with earned income of $100,000 can contribute $23,500 as an employee and up to $18,587 as the employer for a total of $42,087.\n3 \nYou can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less.\nKeep in mind that if you have access to a 401(k) plan, \nyour employee contribution limit applies across all plans\nOpens in a new window\n, not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\nIf your business isn't incorporated, \nyou can generally deduct contributions for yourself\n from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\nSolo 401(k) contribution limits for 2026\nIn 2026, aggregate contributions can reach up to $72,000 if you're under 50. You can contribute an additional $8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional $11,250 in catch-up contributions if the plan allows.\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\nIn 2026, you can contribute up to $24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of $8,000, for a total employee contribution of $32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of $11,250, for a total employee contribution of $35,750.\n1\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.\n2\n The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is $360,000.\nKeep in mind that if you have access to a 401(k) plan, \nyour employee contribution limit applies across all plans\nOpens in a new window\n, not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\nIf your business isn't incorporated, \nyou can generally deduct contributions for yourself\n from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\nSolo Roth 401(k) contribution limits\nIf your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met.\n4\nSECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans.\n5\nBeginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of $145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to $150,000 for the 2026 tax year.\nWhat if I contributed too much to a solo 401(k)?\nIf you contributed too much to a solo 401(k), remove what the IRS calls \"\nexcess deferral\nOpens in a new window\n.\" Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed.\nIf you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax.\nHow to open a solo 401(k)\nYou can open a solo 401(k) at a number of providers,\nincluding Fidelity\n. Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan.\nAnything else I should know about a solo 401(k)?\nIf your solo 401(k) plan's balance is above $250,000 at the end of the plan year, you'll likely have to file\ntax form 5500-EZ for one-participant plans\nOpens in a new window\n. If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974).","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - 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[Trading for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-for-beginners \"Trading for beginners\")\n    - [Crypto basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-for-beginners \"Crypto basics\")\n    - [Crypto: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-advanced \"Crypto: Beyond the basics\")\n    - [Alternative investing](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/alternative-investing \"Alternative investing\")\n    - [Exploring stocks and sectors](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/finding-stocks-and-sector-ideas \"Exploring stocks and sectors\")\n    - [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income \"Investing for income\")\n    - [Analyzing stock fundamentals](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/fundamental-analysis\/analyzing-stock-fundamentals \"Analyzing stock fundamentals\")\n    - 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[Market Sense](https:\/\/www.fidelity.com\/learning-center\/live-pi \"Market Sense\")\n  - [Trading Strategy Desk® coaching](https:\/\/www.fidelity.com\/learning-center\/events\/coaching-sessions \"Trading Strategy Desk® coaching\")\n  - [Trading Strategy Desk® classes](https:\/\/www.fidelity.com\/learning-center\/events\/virtual-classrooms \"Trading Strategy Desk® classes\")\n- Search\n\nNovember 25, 2025\n\n![Estimate Time](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/time-clock-circle.svg)8 Min\n\nSave ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Bookmark.svg) ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/save-success.svg)\n\nClose Popover\n\n***\nGreat, you have saved this article to you My Learn Profile page.\n\nShare ![Share](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/share.svg)\n\nClose Popover\n\n***\nSolo 401(k) contribution limits 2025 and 2026 \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits#linkedin)\n\n[Print ![Print](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Print.svg)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits#print)\n\n# Solo 401(k) contribution limits for 2025 and 2026\nKnow what you can save in a self-employed 401(k).\n\nFidelity Learn\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/solo-401k-contribution-limits-for-2023_573064259_banner.png)\n\n### Key takeaways\n- A solo 401(k) is a retirement account for anyone who is self-employed or owns a business or partnership with no employees apart from a spouse.\n- In 2025, the maximum you can contribute is \\$23,500 as the employee plus an additional 25% of compensation as the employer with additional catch-up contributions opportunities if you are 50 or older.\n- In 2026, the maximum you can contribute is \\$24,500 as the employee plus an additional 25% of compensation as the employer with additional catch-up contributions opportunities if you are 50 or older.\n\nIf you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k).\n\nWhatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees.\n\n### Solo 401(k) contribution limits for 2025\nIn 2025, aggregate contributions can reach up to \\$70,000 if you're under 50. You can contribute an additional \\$7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \\$11,250 in catch-up contributions if the plan allows.\n\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\n\nIn 2025, you can contribute up to \\$23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \\$7,500, for a total employee contribution of \\$31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \\$11,250, for a total employee contribution of \\$34,750.1\n\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is \\$350,000. As an example, a consultant under 50 with earned income of \\$100,000 can contribute \\$23,500 as an employee and up to \\$18,587 as the employer for a total of \\$42,087.3 You can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less.\n\nKeep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/one-participant-401k-plans \"your employee contribution limit applies across all plans\"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\n\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\n\nIf your business isn't incorporated, [you can generally deduct contributions for yourself](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\n\n### Solo 401(k) contribution limits for 2026\nIn 2026, aggregate contributions can reach up to \\$72,000 if you're under 50. You can contribute an additional \\$8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \\$11,250 in catch-up contributions if the plan allows.\n\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\n\nIn 2026, you can contribute up to \\$24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \\$8,000, for a total employee contribution of \\$32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \\$11,250, for a total employee contribution of \\$35,750.1\n\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is \\$360,000.\n\nKeep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/one-participant-401k-plans \"your employee contribution limit applies across all plans\"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\n\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\n\nIf your business isn't incorporated, [you can generally deduct contributions for yourself](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\n\n### Solo Roth 401(k) contribution limits\nIf your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met.4 SECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans.5 Beginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of \\$145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to \\$150,000 for the 2026 tax year.\n\n### What if I contributed too much to a solo 401(k)?\nIf you contributed too much to a solo 401(k), remove what the IRS calls \"[excess deferralOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-fix-it-guide-elective-deferrals-werent-limited-to-the-amounts-under-irc-section-402g-for-the-calendar-year-and-excesses-werent-distributed \"excess deferral\").\" Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed.\n\nIf you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax.\n\n### How to open a solo 401(k)\nYou can open a solo 401(k) at a number of providers, [including Fidelity](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview \"including Fidelity\"). Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan.\n\n### Anything else I should know about a solo 401(k)?\nIf your solo 401(k) plan's balance is above \\$250,000 at the end of the plan year, you'll likely have to file [tax form 5500-EZ for one-participant plansOpens in a new window](https:\/\/www.irs.gov\/forms-pubs\/about-form-5500-ez \"tax form 5500-EZ for one-participant plans\"). If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974).\n\n## Consider a self-employed 401(k)\nIf you're self-employed or run an owner-only business, we have a 401(k) that may be right for you.\n\n[Learn more](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview)\n\n## More to explore\n### [Review retirement savings](https:\/\/www.fidelity.com\/what-we-offer\/planning)\nSee if you're on track to meet your long-term goals.\n\n### [How much do I need to retire?](https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire)\nFidelity's guideline: Save 10x your income by age 67.\n\n- Content Type:Article\n- Reading Time 5 min\n- [Save](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits)\n\nClose Popover\n\nLog in\n\nYes, remove\n\nNo, I want to keep this\n\n![laptop approve svg](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/tile\/laptop-approve.svg)\n\n## Subscribe to  *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Looking for more ideas and insights?\nWe'll deliver them right to your inbox.\n\nManage subscriptions\n\n### Thanks for subscribing\\!\nCheck out your Favorites page, where you can:\n\n- Tell us the topics you want to learn more about\n- View content you've saved for later\n- Subscribe to our newsletters\n\n[Go to Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n\n### We're on our way, but not quite there yet\nGood news, you're on the early-access list.   \n But we're not available in your state just yet. 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Starting tax year 2026, Section 603 of SECURE 2.0 requires a 401(k) plan to require catch-up contributions to be made on a Roth basis for any plan participant who made in excess of \\$145,000 in FICA wages in 2025. The income threshold, which adjusts for inflation, rises to \\$150,000 for the following tax year.\n\n2,3. You must make a special computation to figure the maximum amount of elective deferrals and nonelective contributions you can make for yourself: https:\/\/calculators.ssnc.cloud\/FidelitySEP\/SEP. When figuring the contribution, compensation is your “net profit,” which is defined as the total revenue of the business minus all expenses. Additional rules may apply. 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bPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\n\nWelcome 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information](https:\/\/www.fidelity.com\/learning-center\/smart-money\/solo-401k-contribution-limits)\n\n![](data:image\/png;base64,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)\n\nTo get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions.\n\n- Can contributions to a Solo 401(k) be made from different accounts, and what are the deadlines for contributions?\n- How can I reclassify my IRA and Solo 401k contributions?\n- What is the contribution deadline for a Solo 401k and when do the funds need to be deposited?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"If you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k).\n\nWhatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees.\n\n### Solo 401(k) contribution limits for 2025\nIn 2025, aggregate contributions can reach up to \\$70,000 if you're under 50. You can contribute an additional \\$7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \\$11,250 in catch-up contributions if the plan allows.\n\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\n\nIn 2025, you can contribute up to \\$23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \\$7,500, for a total employee contribution of \\$31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \\$11,250, for a total employee contribution of \\$34,750.1\n\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is \\$350,000. As an example, a consultant under 50 with earned income of \\$100,000 can contribute \\$23,500 as an employee and up to \\$18,587 as the employer for a total of \\$42,087.3 You can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less.\n\nKeep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/one-participant-401k-plans \"your employee contribution limit applies across all plans\"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\n\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\n\nIf your business isn't incorporated, [you can generally deduct contributions for yourself](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\n\n### Solo 401(k) contribution limits for 2026\nIn 2026, aggregate contributions can reach up to \\$72,000 if you're under 50. You can contribute an additional \\$8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \\$11,250 in catch-up contributions if the plan allows.\n\nWhile those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit.\n\nIn 2026, you can contribute up to \\$24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \\$8,000, for a total employee contribution of \\$32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \\$11,250, for a total employee contribution of \\$35,750.1\n\nYou're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is \\$360,000.\n\nKeep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/one-participant-401k-plans \"your employee contribution limit applies across all plans\"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k).\n\nThe deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.\n\nIf your business isn't incorporated, [you can generally deduct contributions for yourself](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation.\n\n### Solo Roth 401(k) contribution limits\nIf your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met.4 SECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans.5 Beginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of \\$145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to \\$150,000 for the 2026 tax year.\n\n### What if I contributed too much to a solo 401(k)?\nIf you contributed too much to a solo 401(k), remove what the IRS calls \"[excess deferralOpens in a new window](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-fix-it-guide-elective-deferrals-werent-limited-to-the-amounts-under-irc-section-402g-for-the-calendar-year-and-excesses-werent-distributed \"excess deferral\").\" Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed.\n\nIf you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax.\n\n### How to open a solo 401(k)\nYou can open a solo 401(k) at a number of providers, [including Fidelity](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/self-employed-401k\/overview \"including Fidelity\"). Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan.\n\n### Anything else I should know about a solo 401(k)?\nIf your solo 401(k) plan's balance is above \\$250,000 at the end of the plan year, you'll likely have to file [tax form 5500-EZ for one-participant plansOpens in a new window](https:\/\/www.irs.gov\/forms-pubs\/about-form-5500-ez \"tax form 5500-EZ for one-participant plans\"). If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974).","meta_canonical":null}

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URL	https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits
Last Crawled	2026-04-09 01:11:49 (1 day ago)
First Indexed	2023-07-01 14:21:05 (2 years ago)
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Meta Title	Solo 401(k) contribution limits 2025 and 2026 \| Fidelity
Meta Description	Solo 401(k)s are great options for those self-employed to save for retirement. Here are the contribution limits for 2025 and 2026.
Meta Canonical	null
Boilerpipe Text	If you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k). Whatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees. Solo 401(k) contribution limits for 2025 In 2025, aggregate contributions can reach up to $70,000 if you're under 50. You can contribute an additional $7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional $11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2025, you can contribute up to $23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of $7,500, for a total employee contribution of $31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of $11,250, for a total employee contribution of $34,750. 1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution. 2 The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is $350,000. As an example, a consultant under 50 with earned income of $100,000 can contribute $23,500 as an employee and up to $18,587 as the employer for a total of $42,087. 3 You can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less. Keep in mind that if you have access to a 401(k) plan, your employee contribution limit applies across all plans Opens in a new window , not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, you can generally deduct contributions for yourself from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. Solo 401(k) contribution limits for 2026 In 2026, aggregate contributions can reach up to $72,000 if you're under 50. You can contribute an additional $8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional $11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2026, you can contribute up to $24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of $8,000, for a total employee contribution of $32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of $11,250, for a total employee contribution of $35,750. 1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution. 2 The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is $360,000. Keep in mind that if you have access to a 401(k) plan, your employee contribution limit applies across all plans Opens in a new window , not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, you can generally deduct contributions for yourself from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. Solo Roth 401(k) contribution limits If your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met. 4 SECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans. 5 Beginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of $145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to $150,000 for the 2026 tax year. What if I contributed too much to a solo 401(k)? If you contributed too much to a solo 401(k), remove what the IRS calls " excess deferral Opens in a new window ." Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed. If you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax. How to open a solo 401(k) You can open a solo 401(k) at a number of providers, including Fidelity . Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan. Anything else I should know about a solo 401(k)? If your solo 401(k) plan's balance is above $250,000 at the end of the plan year, you'll likely have to file tax form 5500-EZ for one-participant plans Opens in a new window . If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974).
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Share ![Share](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/share.svg) Close Popover * Solo 401(k) contribution limits 2025 and 2026 \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits#facebook) - [Twitter](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits#twitter) - [LinkedIn](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits#linkedin) [Print ![Print](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Print.svg)](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits#print) # Solo 401(k) contribution limits for 2025 and 2026 Know what you can save in a self-employed 401(k). Fidelity Learn ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/solo-401k-contribution-limits-for-2023_573064259_banner.png) ### Key takeaways - A solo 401(k) is a retirement account for anyone who is self-employed or owns a business or partnership with no employees apart from a spouse. - In 2025, the maximum you can contribute is \$23,500 as the employee plus an additional 25% of compensation as the employer with additional catch-up contributions opportunities if you are 50 or older. - In 2026, the maximum you can contribute is \$24,500 as the employee plus an additional 25% of compensation as the employer with additional catch-up contributions opportunities if you are 50 or older. If you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k). Whatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees. ### Solo 401(k) contribution limits for 2025 In 2025, aggregate contributions can reach up to \$70,000 if you're under 50. You can contribute an additional \$7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \$11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2025, you can contribute up to \$23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \$7,500, for a total employee contribution of \$31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \$11,250, for a total employee contribution of \$34,750.1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is \$350,000. As an example, a consultant under 50 with earned income of \$100,000 can contribute \$23,500 as an employee and up to \$18,587 as the employer for a total of \$42,087.3 You can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less. Keep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https://www.irs.gov/retirement-plans/one-participant-401k-plans "your employee contribution limit applies across all plans"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, [you can generally deduct contributions for yourself](https://www.fidelity.com/learning-center/personal-finance/retirement/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. ### Solo 401(k) contribution limits for 2026 In 2026, aggregate contributions can reach up to \$72,000 if you're under 50. You can contribute an additional \$8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \$11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2026, you can contribute up to \$24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \$8,000, for a total employee contribution of \$32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \$11,250, for a total employee contribution of \$35,750.1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is \$360,000. Keep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https://www.irs.gov/retirement-plans/one-participant-401k-plans "your employee contribution limit applies across all plans"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, [you can generally deduct contributions for yourself](https://www.fidelity.com/learning-center/personal-finance/retirement/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. ### Solo Roth 401(k) contribution limits If your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met.4 SECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans.5 Beginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of \$145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to \$150,000 for the 2026 tax year. ### What if I contributed too much to a solo 401(k)? If you contributed too much to a solo 401(k), remove what the IRS calls "[excess deferralOpens in a new window](https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-elective-deferrals-werent-limited-to-the-amounts-under-irc-section-402g-for-the-calendar-year-and-excesses-werent-distributed "excess deferral")." Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed. If you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax. ### How to open a solo 401(k) You can open a solo 401(k) at a number of providers, [including Fidelity](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview "including Fidelity"). Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan. ### Anything else I should know about a solo 401(k)? If your solo 401(k) plan's balance is above \$250,000 at the end of the plan year, you'll likely have to file [tax form 5500-EZ for one-participant plansOpens in a new window](https://www.irs.gov/forms-pubs/about-form-5500-ez "tax form 5500-EZ for one-participant plans"). If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974). ## Consider a self-employed 401(k) If you're self-employed or run an owner-only business, we have a 401(k) that may be right for you. [Learn more](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview) ## More to explore ### [Review retirement savings](https://www.fidelity.com/what-we-offer/planning) See if you're on track to meet your long-term goals. ### [How much do I need to retire?](https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire) Fidelity's guideline: Save 10x your income by age 67. - Content Type:Article - Reading Time 5 min - [Save](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits) Close Popover Log in Yes, remove No, I want to keep this ![laptop approve svg](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/tile/laptop-approve.svg) ## Subscribe to Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Looking for more ideas and insights? We'll deliver them right to your inbox. Manage subscriptions ### Thanks for subscribing\! 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Loading - [Changing jobs](https://www.fidelity.com/learning-center/life-events/career-planning) - [Working for yourself](https://www.fidelity.com/learning-center/life-events/how-to-become-self-employed) - [Managing taxes](https://www.fidelity.com/learning-center/personal-finance/managing-taxes/managing-taxes) - [Investing for income](https://www.fidelity.com/learning-center/trading-investing/investing-for-income) - [Preparing for retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/planning-your-retirement) - [Saving for retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/saving-for-retirement) - [Living in retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/planning-your-retirement) 1,5. Starting tax year 2026, Section 603 of SECURE 2.0 requires a 401(k) plan to require catch-up contributions to be made on a Roth basis for any plan participant who made in excess of \$145,000 in FICA wages in 2025. The income threshold, which adjusts for inflation, rises to \$150,000 for the following tax year. 2,3. You must make a special computation to figure the maximum amount of elective deferrals and nonelective contributions you can make for yourself: https://calculators.ssnc.cloud/FidelitySEP/SEP. When figuring the contribution, compensation is your “net profit,” which is defined as the total revenue of the business minus all expenses. Additional rules may apply. Please refer to: https://www.irs.gov/retirement-plans/one-participant-401k-plans 4\. A distribution from a Roth 401(k), Roth 403 (b) and Roth 457 (b) is federally tax free and penalty free, provided the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, or death. Investing involves risk, including risk of loss. Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. 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![](data:image/png;base64,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) 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[Important information](https://www.fidelity.com/learning-center/smart-money/solo-401k-contribution-limits) ![](data:image/png;base64,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) 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Readable Markdown	If you're one of millions of Americans without access to a 401(k) or other retirement plan through a job, you may still have options to save for retirement when you hang your own shingle. Meet the solo 401(k)—also known as the self-employed 401(k), individual 401(k), personal 401(k), or, to use the IRS's preferred term, the one-participant 401(k). Whatever you call it, the solo 401(k) is known for its high contribution limits that let people with no employees, except a spouse who earns income from the business, save a lot for retirement. That includes freelancers and gig workers to sole proprietors, LLCs (limited liability companies), S corporations, C corporations, business owners, and partnerships with no employees. ### Solo 401(k) contribution limits for 2025 In 2025, aggregate contributions can reach up to \$70,000 if you're under 50. You can contribute an additional \$7,500 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \$11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2025, you can contribute up to \$23,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \$7,500, for a total employee contribution of \$31,000. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \$11,250, for a total employee contribution of \$34,750.1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2025, the limit is \$350,000. As an example, a consultant under 50 with earned income of \$100,000 can contribute \$23,500 as an employee and up to \$18,587 as the employer for a total of \$42,087.3 You can contribute up to the limits described for employer plus employee, or 100% of your compensation, whichever is less. Keep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https://www.irs.gov/retirement-plans/one-participant-401k-plans "your employee contribution limit applies across all plans"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, [you can generally deduct contributions for yourself](https://www.fidelity.com/learning-center/personal-finance/retirement/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. ### Solo 401(k) contribution limits for 2026 In 2026, aggregate contributions can reach up to \$72,000 if you're under 50. You can contribute an additional \$8,000 in catch-up contributions if you're age 50-59 or age 64 or older. Those between age 60 and 63 can contribute an additional \$11,250 in catch-up contributions if the plan allows. While those are the absolute maximums that can be contributed to a solo 401(k), the amount you can contribute may be different. That's because solo 401(k)s come with a little nuance. With a solo 401(k), you can make contributions in 2 ways: as the employee and as the employer. Each portion of that equation has a different limit. In 2026, you can contribute up to \$24,500 pre-tax or Roth dollars to your solo 401(k) as an employee. If you're age 50-59 or older than 64, you can add a catch-up contribution of \$8,000, for a total employee contribution of \$32,500. If you're age 60-63 and your plan allows it, you can add a catch-up contribution of \$11,250, for a total employee contribution of \$35,750.1 You're also allowed to contribute up to 25% of compensation (after Social Security and Medicare taxes) as the employer profit-sharing contribution.2 The IRS limits the amount of compensation that determines retirement contributions; for 2026, the limit is \$360,000. Keep in mind that if you have access to a 401(k) plan, [your employee contribution limit applies across all plansOpens in a new window](https://www.irs.gov/retirement-plans/one-participant-401k-plans "your employee contribution limit applies across all plans"), not per plan. So if you max out your contributions to a different employer-sponsored 401(k), you may only be able to make employer contributions to your solo 401(k). The deadline for self-employed individuals and owner-only businesses to make both the employee salary deferral and company profit sharing contribution is the business's tax filing deadline, including extensions. Contribution deadlines may be different in the year the plan is established. For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end. If your business isn't incorporated, [you can generally deduct contributions for yourself](https://www.fidelity.com/learning-center/personal-finance/retirement/self-employed-401k) from your personal income. If your business is incorporated, you can count these contributions as a business expense. Consult with a tax professional for your situation. ### Solo Roth 401(k) contribution limits If your solo 401(k) plan allows Roth contributions, the Roth solo 401(k) contribution limit is the same as the pre-tax contribution limit. If you contribute both Roth and pre-tax deferrals to your plan, your combined contributions can't exceed the annual limit. When the time comes to withdraw, the Roth withdrawals are tax-free as long as you're at least 59½, disabled, or taking a distribution from an inherited account, and the 5-year aging requirement has been met.4 SECURE 2.0 allows employers to make matching and profit-sharing contributions to Roth accounts, although this is not available to all plans.5 Beginning in 2026, participants in 401(k)s who are 50 or older and had prior-year W-2 compensation of \$145,000 or greater must make any catch-up contributions on a Roth basis. The compensation figure rises to \$150,000 for the 2026 tax year. ### What if I contributed too much to a solo 401(k)? If you contributed too much to a solo 401(k), remove what the IRS calls "[excess deferralOpens in a new window](https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-elective-deferrals-werent-limited-to-the-amounts-under-irc-section-402g-for-the-calendar-year-and-excesses-werent-distributed "excess deferral")." Excess deferrals must usually be removed by April 15 of the year following the year in which the deferral occurred. If you do so by Tax Day of the following year, usually April 15, you'll likely just have to pay any applicable taxes on the earnings from what you overcontributed. If you do so after that deadline, the amount of the withdrawal could be double taxed: once in the year you put in the money and then again the year the money is taken out to correct the error. You may also have to pay a 10% early withdrawal tax. ### How to open a solo 401(k) You can open a solo 401(k) at a number of providers, [including Fidelity](https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview "including Fidelity"). Factors you might consider are plan offerings such as traditional, Roth, and after-tax contributions; investment options; fees; administrative support; the ability to take out loans; the plan's ability to accept rollovers; and electronic deposit capabilities. Once you open a solo 401(k) you or whoever you name as plan administrator, if not yourself, are responsible for making contributions and complying with the terms of the plan. ### Anything else I should know about a solo 401(k)? If your solo 401(k) plan's balance is above \$250,000 at the end of the plan year, you'll likely have to file [tax form 5500-EZ for one-participant plansOpens in a new window](https://www.irs.gov/forms-pubs/about-form-5500-ez "tax form 5500-EZ for one-participant plans"). If you've terminated your plan, you'll need to file a final return indicating that all assets have been distributed. Also, solo 401(k)s typically don't provide unlimited creditor protection under ERISA (Employee Retirement Income Security Act of 1974).
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