Solo 401k for freelancers in 2026 can shelter up to $72,000 of self-employment income, broken into $24,500 employee plus roughly $47,500 employer
Personal Finance AI

What Is a Solo 401k? A Freelancer’s Plain-English Guide

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A solo 401k can shelter up to $72,000 of your freelance income from taxes in 2026. Here is who qualifies, how the math actually works, and when it makes sense to open one.

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