Skip to main content
Retirement

What is a Solo 401(k)?

Quick Answer

A Solo 401(k) is a one-participant 401(k) for self-employed people with no employees other than a spouse. In 2025 you can shelter up to $70,000 — combining a $23,500 employee deferral with employer profit-sharing of up to 25% of compensation.

Solo 401(k) contribution structure showing employee deferral plus employer profit-sharing.
Warren Team
Updated April 26, 2026
36

Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

Get Expert Advice

Schedule your free consultation with our fiduciary advisors

Book Free Consultation