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Posted

Yeah, I know it is April 14th, don't hate me, just ignore if you are up to your eyeballs right now.

I have this client who wants to maximize his retirement contributions.   Successful business, just him, net income always in the 200K plus range.   Says his retirement provider will not allow him to make contributions after the end of the year (I have no idea why).    So I made him a SEP Calculator a couple years ago.   Worked great.   Now he is switching to a Solo 401K and wants another calculator.   So I just made one.   Only 2 entries needed - Income from Sch C and Employee Contributions (highlighted cells).   

Anyone want to try and break this thing and tell me why it doesn't work?

Thanks in Advance.

Tom
Longview, TX

 

 

Solo 401K limit calculator.xlsx

Posted

SEP can be contributed up to biz return deadline, including extensions. It's an employER contribution. The ability to make contributions through 9-15/10-15 is one of its benefits.

Solo 401K employEE contributions must be made by 12-15. Is there employER matching allowed that can be contributed through the return deadline?

No matter, if your client and his retirement provide have a year-end deadline, then you're working with that info.

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