Recent Calculations
An Individual 401(k) can be one of the best tools for the self-employed to create a secure retirement. First, all contributions and earnings to your Individual 401(k) are tax-deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, it has very high contribution limits - allowing you to contribute more to your Individual 401(k) each year. The combined result is a retirement savings plan you can't afford to pass up.
This is your annual income from self-employment. Your maximum contribution is based on your self-employment income; do not include any income you may receive from other sources.
The amount you will contribute to your Individual 401(k) each year. All contributions are assumed to happen at the beginning of the year.
Su edad actual.
Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your Individual 401(k). For example, if you retire at age 65, your last contribution occurs when you are actually 64.
The starting balance or current amount you have invested or saved in your Individual 401(k).
The annual rate of return for your Individual 401(k) account. This calculator assumes that your return is compounded annually and your deposits are made monthly. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
This is the maximum amount you are allowed to contribute to your Individual 401(k) account per year. In 2026, the maximum contribution to an Individual 401(k) is $72,000 for individuals under age 50. There is an additional catch-up contribution of $11,250 for individuals age 60 to 63. For all other individuals age 50 there is an additional catch-up contribution of $8,000. Self-employment income of $246,722 or more is required to qualify for the maximum contribution in 2026.
If you earn less than $252,319 in 2026, your maximum is calculated as follows: First, as the employee, you are able to contribute up to $24,500 in 2026 to your Individual 401(k) or 100% of your self-employment income, whichever is less. For individuals age 50 or over, the contribution is $32,500, for individuals age 60 to 63 the contributions is $35,750, but is still limited to no more than 100% of your earned income. Second, you are allowed employer contributions - even though self-employed people are in-fact their own employee. Employer contributions, for the self-employed, are limited to an additional 25% of adjusted net business profits, up to the maximum total amount allowed per year.
It is important to note that you may be subject to additional contribution limitations if you participate in an additional retirement program through another employer. For 2026, total retirement plan contributions are limited to $72,000 or 100% of your total compensation for the year ($80,000 if age 50 or older, $83,250 if age 60 to 63). This includes contributions to your Individual 401(k) as well as any other employer plan. It also includes profit matching and employer contributions. Contributions to a Traditional IRA or Roth IRA are not included in this limit.