For small business owners. See how much you can shelter — and how much you'd save in tax — across all five plan types.
1
Business
2
Income
3
You
4
Results
Step 01 of 03
Tell us about your business.
The structure shapes which plans you can choose — and how your contribution math works.
Step 02 of 03
Your income.
For S-corp owners, what matters for the math is your W-2 wages.
$
Use only the W-2 reasonable compensation you take. Distributions don't count for retirement contributions.
Please enter a valid amount.
$
Used to estimate your federal marginal bracket. If you don't know, a rough guess is fine.
Rough estimate only. Actual state savings depend on your full state return.
Step 03 of 03
A bit about you.
Age affects your catch-up eligibility — and the 60–63 super catch-up could add thousands more.
Age 50+ unlocks catch-up contributions. Ages 60–63 get the SECURE 2.0 super catch-up.
Please enter a valid age.
Your Recommended Plan
The Solo 401(k)
Estimated 2026 Tax Savings
$0
Federal + state, at your marginal rate
How the contribution breaks down
All five plans, compared
Maximum contribution and estimated tax savings for each plan, based on your inputs.
SECURE 2.0: Your Setup Window
When you can establish a Solo 401(k) and still capture 2026 contributions.
Personalized Walkthrough
Want Dimpy to walk you through your numbers?
Drop your email below and we'll send a personalized summary plus an invitation to a 30-minute strategy conversation — no obligation.
We don't share emails. Ever.
Important
This is an estimate for planning purposes. The figures assume 2026 IRS contribution limits per Notice 2025-67 and use simplified marginal-rate math. Your actual tax savings depend on your full federal and state return, including deductions, credits, AMT, SE tax adjustments, and any phaseouts. Sole-prop contribution math is approximated using the standard ~20% net-SE-earnings convention; precise numbers require a circular calculation. SECURE 2.0 § 317 deadlines reference the IRS Issue Snapshot on 401(k) plan timing. This tool does not constitute personalized tax, legal, or investment advice. Talk with a qualified tax professional before making contribution decisions.