Straight answers for people who get paid without withholding.

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The plan says 25%.

Pub 560 says 20%.

Retirement·Apr 28, 2026

Why your solo 401(k) employer contribution is 20% of net earnings, not 25%

Every provider says 25%. Publication 560 hands you a table that says 20%. Both are right, and the reason is circular.

Two accounts.

One ceiling.

Retirement·Apr 18, 2026

Can you fund a SEP-IRA and a solo 401(k) in the same year?

Yes. But they share one ceiling, and most people who try it double count.

24% bracket.

18.8% saved.

Retirement·Apr 8, 2026

Does a solo 401(k) contribution reduce your QBI deduction? Yes, and here is by how much

Retirement contributions cut AGI and qualified business income at the same time. Multiply by your bracket and you will overstate the saving by about a quarter.