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FINANCE · SMALL BUSINESS

S-Corp investment optimizer.

Maximize retirement contributions while keeping your owner compensation reasonable — employee deferrals, company match, IRA, and HSA all modeled with 2026 limits.

THE READ

Most S-Corp owners default to a Roth IRA. You just saw what a Solo 401(k) plus a company contribution does to the retirement number.

About the S-Corp Retirement Contribution Calculator

The S-Corp Retirement Contribution Calculator helps S-Corp owners maximize their tax-advantaged retirement savings. It models employee deferrals (up to $24,500 in 2026, plus $8,000 catch-up for 50+), employer profit-sharing contributions (up to 25% of W-2 salary), and the combined limits under IRS Section 415. This tool is essential for S-Corp owners who want to shelter the maximum amount from taxes while building retirement wealth.

Frequently Asked Questions

How much can an S-Corp owner contribute to a 401(k)?▼
For 2026, an S-Corp owner can contribute up to $24,500 as an employee deferral ($32,500 if age 50+) plus up to 25% of W-2 salary as an employer profit-sharing contribution. The total combined limit is $72,000 ($80,000 with catch-up). This means an S-Corp owner with a $140,000 salary could contribute up to $59,500.
What is employer profit sharing in an S-Corp?▼
Employer profit sharing allows the S-Corp to contribute up to 25% of an employee's W-2 compensation to their retirement plan. For an owner paying themselves a $120,000 salary, the company can contribute an additional $30,000 to their 401(k). This is a deductible business expense that reduces corporate taxes.
Should I choose a Solo 401(k) or SEP IRA for my S-Corp?▼
A Solo 401(k) is generally better for S-Corp owners because it allows both employee deferrals and employer contributions, enabling higher total contributions at lower salary levels. A SEP IRA only allows employer contributions (up to 25% of salary), so you need a higher salary to reach the same contribution level.

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NOT ADVICE

Educational model · not personalized advice · projected outcomes are uncertain.

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