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Retirement · 401(k), IRA & Roth

Solo 401(k) Calculator

Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution.

  • Free to use here · embed on the Business plan
  • 7 inputs · 5 results
  • English & Spanish

Try the Solo 401(k) Calculator

See your Solo 401(k) grow — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Solo 401(k) calculator works out

The Solo 401(k) Calculator is a free, embeddable calculator from CalcFunnel. Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution.

You enter 7 inputs: current balance, net self-employment income, employee contribution (per year), employer profit-sharing (% of income), annual return (%), annual income growth (%) and years to retirement.

It returns balance at retirement, employee contributions, employer profit-sharing, investment growth and first-year contribution.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Balance at Retirement
  2. 02Employee Contributions
  3. 03Employer Profit-Sharing
  4. 04Investment Growth
  5. 05First-Year Contribution

The first figure — balance at retirement — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Business & Balance

Current Balance
What is in the account today.
Net Self-Employment Income
Your net business income — the base for the employer profit-sharing contribution.

Contributions

Employee Contribution (per year)
The salary-deferral portion you contribute as the employee each year. The 2026 limit is $24,500 (capped at your net earnings).
Employer Profit-Sharing (% of income)
Employer profit-sharing as a percent of net SE income after deducting half of your self-employment tax. A sole proprietor can contribute up to 20% (the plan's 25% rate, adjusted for self-employment).

Growth

Annual Return (%)
The average annual investment return, compounded monthly.
Annual Income Growth (%)
The yearly rate your income grows, which raises the employer contribution.
Years to Retirement
How many years until you retire.

For your website

Embed this calculator on your website

Put the Solo 401(k) Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Solo 401(k) calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Solo 401(k) Calculator calculate?
Project an Individual (Solo) 401(k) for the self-employed, combining employee deferrals with an employer profit-sharing contribution. It returns balance at retirement, employee contributions, employer profit-sharing, investment growth and first-year contribution.
Q.02What information do I need to use the Solo 401(k) Calculator?
You enter 7 inputs: current balance, net self-employment income, employee contribution (per year), employer profit-sharing (% of income), annual return (%), annual income growth (%) and years to retirement. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Current Balance” mean in the Solo 401(k) Calculator?
What is in the account today.
Q.04What does “Net Self-Employment Income” mean in the Solo 401(k) Calculator?
Your net business income — the base for the employer profit-sharing contribution.
Q.05Is the Solo 401(k) Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Solo 401(k) Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Solo 401(k) Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Solo 401(k) results financial advice?
No. Estimates only. Models a sole proprietor: the employer contribution is a percentage of net SE income after the deductible half of self-employment tax (max 20%). Applies the 2026 IRS limits — $24,500 employee deferral and $72,000 total — held flat in future years; age 50+ catch-up contributions are not included. Assumes constant return and income. Confirm plan rules with your administrator or tax professional.

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The Solo 401(k) Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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