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Solo 401(k) Calculator
Project the long-term growth of Solo 401(k) contributions with a free self-employed retirement calculator.
Projected balance
$942,940
Total contributions
$400,000
Investment growth
$542,940
What this estimate means
240 months of contributions modeled with monthly compounding.
This is a planning estimate, not a guaranteed return forecast.
How to Use
- Enter your current Solo 401(k) balance.
- Add your expected average monthly contribution.
- Choose a return assumption and saving horizon.
- Review the projected balance and investment growth.
Frequently Asked Questions
Who uses a Solo 401(k)?
Solo 401(k) plans are commonly used by self-employed people or owner-only businesses who want a retirement plan with strong contribution flexibility.
Why compare a Solo 401(k) with a SEP IRA?
Both are popular self-employed retirement options, but contribution mechanics and flexibility can differ.
Does this include employee and employer split calculations?
No. This page is a growth projection, so contribution eligibility and tax details should still be checked separately.
Can I use this if contributions change every year?
Yes. Use the average monthly amount as a planning estimate, then rerun scenarios with higher or lower funding levels.
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