See how much room you actually have in each for 2026, side by side. Free, no account needed, for self-employed people and business owners only, since W2 employees don't have access to either plan.
Just your self-employment or business net income, if you also have a W2 job, don't include those wages here.
The monthly amounts above are a general estimate to help you plan, not financial or tax advice.
A Solo 401k gives you $24,500 more room here, mainly because of the separate employee deferral on top of the employer share.
Want this contributed automatically every time you get paid?
Estimate only, based on 2026 IRS limits. Not tax advice. Actual eligible contributions depend on plan documents and other real-world details a real accountant should confirm.