How much could you save in your business 401(k) in 2026?
Estimate your 2026 owner contributions in seconds, using current IRS limits.
Book a free 20-minute callHypothetical illustration for an owner paid by W-2 (for example, an S corporation) using 2026 IRS limits: $24,500 employee deferral, $8,000 catch-up at age 50+ ($11,250 at ages 60 to 63), employer contributions up to 25% of compensation, compensation counted up to $360,000, and a $72,000 total before catch-up. Results assume no other plans and no other employees, and are limited so that contributions do not exceed your compensation. Beginning in 2026, if your 2025 FICA wages exceeded $150,000, catch-up contributions generally must be Roth. Your plan's design, employee contributions, nondiscrimination testing, entity type and Roth catch-up rules can change the result. This is not tax advice. Consult your tax professional.
What this means
A well-designed plan can let an owner save far more than an IRA allows, while staying fair to employees. If you have employees, the design matters even more. That's exactly what we work through on a free call.