Individual 401(k) Savings Calculator

Work out what you can put into an individual 401(k) as both employee and employer for 2026, and project the balance at retirement as your business income grows. The free 401k calculator is free to use with no sign-up, and works on desktop and mobile.

Enter your solo 401(k) plan

2026 IRS limits

Business type

Net business profit

Yearly income growth

Schedule C profit before contributions for yourself.

Current age

yrs

Retirement age

yrs

Current solo 401(k) balance

Expected annual return

Employee deferral

Employer profit sharing

For the self-employed a 25% plan rate works out to 20% of net earnings after the self-employment tax deduction.

More options

W-2 wages from another job

Reduces Social Security tax on your business income above the $184,500 wage base.

Deferrals to another employer’s 401(k) or 403(b) each year

Inflation

Your results

Balance at retirement

–

In today’s dollars

–

Your deferrals

–

Profit sharing

–

Investment growth

–

2026 contribution

–

Your 2026 contribution

Net earnings from self-employment–

Employee deferral–

Catch-up–

Employer profit sharing–

Total–

Maximum allowed–

Future years use the 2026 limits; the IRS normally raises them with inflation, so later maximums are likely higher.

Year-by-year projection

Contributions worked out from each year’s income, and the balance at each year end.

Age	Profit	Deferrals	Profit sharing	Balance

Results are estimates for educational purposes and are not financial, tax or legal advice.