Free Solo 401k Calculator for Real Estate Investors
Solo 401k Calculator: Instantly Estimate Your Tax-Free Real Estate Buying Power
Are you self-employed and wondering how much you can contribute to a Solo 401k — or how to use those funds to buy real estate tax-free?
This calculator shows you:
- How much you can contribute in 2025
- How your investments can grow over time
- How much real estate you can buy using leverage
- And how to avoid paying taxes on your investment gains
Let’s break it down — then try the calculator and download your free Solo 401k strategy guide.
What Does This Solo 401k Calculator Do?
Our calculator does more than just show IRS limits — it helps you:
- Estimate your future retirement account balance
- Understand your real estate buying power using leverage
- Project tax savings by investing through a Solo 401k
Who Should Use a Solo 401k?
If any of these describe you, this calculator is for you:
- You’re self-employed (1099, single-member LLC, consultant, freelancer)
- You earn side income outside a W-2 job
- You’re a real estate investor (flipper, landlord, Airbnb host)
- You want to contribute more than an IRA allows
- You want tax-free or tax-deferred real estate investing
How Contribution Limits Work (2025)
In 2025, the IRS allows:
| Category | Limit |
|---|---|
| Employee deferral | $23,000 |
| Employer profit-sharing | Up to 25% of income |
| Catch-up (age 50–59) | +$7,500 |
| Age 60–63 bonus catch-up | +$10,000 |
| Total (under 50) | Up to $70,000 |
| Total (age 60–63) | Up to $81,250 |
Use the calculator below to customize based on your real income and contribution plans.
🧾 How Much Real Estate Can You Buy Using Your Solo 401k?
Estimate your buying power using tax-advantaged retirement funds.
Want to Go Deeper? Get the Free 2025 Guide
Our Solo 401k calculator is just the start.
We created a free downloadable guide for real estate investors, freelancers, and side hustlers who want to:
- Use retirement funds to buy property
- Avoid taxes on investment gains
- Maximize contributions legally
- Choose the right provider
🏱 Get the Free Guide: “The 2025 Solo 401k Real Estate Blueprint”
👉 Click here to get the guide
Frequently Asked Questions
What is a Solo 401k?
A Solo 401k is a retirement account for self-employed individuals or small business owners with no full-time employees. It offers higher contribution limits and more control than a traditional 401k or IRA.
How much can I contribute to a Solo 401k in 2025?
Up to $70,000 if you’re under 50, and up to $81,250 if you’re between ages 60 and 63.
Can I use a Solo 401k to buy real estate?
Yes — with checkbook control, you can use Solo 401k funds to buy rental property, flips, or syndications without a custodian. It also avoids UBIT tax when leveraging.
Do I need an LLC to open a Solo 401k?
No, but you need self-employment income. That could come from freelance work, commissions, or real estate activities.
Is the Solo 401k better than a Self-Directed IRA?
For real estate investors, yes — you avoid UBIT tax on leveraged deals and can act faster using checkbook control.
Final Thoughts
Ready to turn your retirement funds into real estate? Use the calculator above, then download the guide to build your wealth tax-free.