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🚀 Corp Day Job 401k + Solo 401k: Can I Save $144,000 Across Two 401k Plans?
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Q: I maxed out my day-job 401k at $72,000. Is there any way to keep saving in a Solo 401k on top of that?
A: My Solo 401k Financial notes this is one of the most powerful planning opportunities for solopreneurs. While the employee limit aggregates, employer (profit-sharing) and voluntary after-tax contributions generally do NOT aggregate across unrelated employers because the overall 415(c) limit applies per plan. So if you maxed your day-job plan at $72,000 and have at least $72,000 of self-employment income with no employees, you can still make up to $72,000 in employer and/or voluntary after-tax contributions to your Solo 401k—a combined total of $144,000 for 2026.
Learn More:
https://www.mysolo401k.net/can-i-have-employee-401k-and-solo-401k-for-contract-work/
mysolo401k.net
Can I Have Employee 401k AND Solo 401k for Contract Work? - My Solo 401k Financial
My Solo 401k Financial offers self-directed Solo 401k, IRA LLC & ROBS 401K Retirement Plans. Learn about Can I Have Employee 401k AND Solo 401k for Contract Work?
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