Owner Retirement Plan Comparer
See how much a Solo 401(k), SEP IRA, or SIMPLE IRA lets you save this year.
Highest possible 2026 contribution
$46,804
with a Solo 401(k)
Employee deferral plus employer profit sharing. Owners and spouses only.
Employer contribution only. Simple to open; must cover eligible employees at the same %.
Lower limits, assumes a 3% match. Works for teams up to 100.
2026 limits: 401(k) deferral $24,500 (catch-up $8,000 at 50+, $11,250 at 60 to 63), SIMPLE $17,000 (catch-up $4,000 or $5,250), total additions $72,000, compensation counted up to $360,000. For the self-employed, contributions are based on profit minus half of self-employment tax (about $8,478 here). Plans with employees must cover them too. Estimates only; confirm with a tax professional.
Learn the thinking behind it
Retirement Plans for Your Team: SEP, SIMPLE, and 401(k)
Compare the three main plans, see the 2026 limits, and learn how tax credits can cover setup costs.
Retirement Planning for Business Owners
Why your business should not be your only retirement plan, and how Solo 401(k)s, SEPs, SIMPLEs, and pension-style plans let you save far more than an IRA.