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2026 IRS LimitsVerified Against Actuarial OutputNo Email Required
S 401k
Solo 401k Architect
Damon Harper · Retirement Plan Design
2026 IRS Limits
Choose a scenario below — or run all three to compare
401(k) + Profit Sharing
Combo Plan (+ Cash Balance)
Side-by-Side Comparison
Solo owner
Husband & wife
50/50 partners
Max 25% W-2 or ~20% net SE
OwnerPrimary
Owner 2Spouse
Solo owner
Husband & wife
50/50 partners
Mandatory commitment: Cash balance plans require annual contributions regardless of business performance. Only proceed with 3–5 years of stable, committed income.
§404 note: In combo plans, profit sharing is typically held to 5–6% of compensation to stay within IRS deductibility limits. The Cash Balance contribution does the heavy lifting.
Typically 5–6% alongside CB
OwnerPrimary
Owner 2Spouse
Solo owner
Husband & wife
50/50 partners
Typically 20–25% in 401k-only
Typically 5–6% alongside CB
OwnerPrimary
Owner 2Spouse
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No spam · No obligation · damon@solo401karchitect.com · (214) 586-0354
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He typically responds within one business day. In the meantime, feel free to keep running scenarios above.