Tax Playbook · Keep more of each paycheck
Solo 401(k) for side gigs
If you run your own business, you can save for retirement as both boss and worker. In 2026 you can put in up to $24,500 as the worker. You can add even more as the boss, up to $72,000 total. If you save $10,000 as the worker and your business adds $5,000, you saved $15,000.
Good for: People with freelance or side-gig income and no full-time employees.
Learn the basics
Recent articles & guides
- SparkReceipt: 2026 solo 401(k) contribution limits
- EP Wealth: Maximum 401(k) contribution for 2026 (includes solo 401(k))
- Fidelity: Solo 401(k) contribution limits 2025 and 2026
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.