Your solo 401(k).
Both sides of the contribution.

Salary sets your S-corp contribution room.

Distributions are not retirement-plan compensation. Start with your reasonable salary estimate, then plan contributions. A solo plan is for owners with no eligible common-law employees, except a spouse. This tool models one owner, one business, no prior contributions in this plan and no related-employer annual additions. Other employee deferrals must be included above.

Plan terms must permit catch-ups. Ages 60–63 receive the special catch-up; age 64 returns to the standard age-50 catch-up. In 2026, prior-year employer FICA wages above $150,000 can require Roth catch-ups; confirm plan support with the administrator. Employee deferrals are shared across applicable plans. Other employer contributions, controlled groups, deadlines and plan-specific compensation rules need separate review. Amounts are rounded down to cents internally; displayed dollars are rounded.

Educational calculation, not tax advice. Verify actual funding with your plan administrator.