Retirement The Solo 401(k) in 2026: How Self-Employed Men Are Quietly Stuffing $70,000 Tax-Sheltered The 2026 Solo 401(k) limit rose to $70,000 for under-50s and $77,500 with catch-up. Almost every self-employed man with significant net income leaves $20,000 to $40,000 on the table by using a SEP IRA out of habit. The migration window is closing.
Solo 401k Solo 401(k) vs. SEP-IRA: The Self-Employed Retirement Decision Both let you stash $70,000+ per year. The solo 401(k) wins for most, but the SEP-IRA wins for two specific situations that sneak up on side-hustlers.
