How much can a creator contribute to a Solo 401(k)?

Up to $23,500 as employee (2025) plus employer profit-sharing contributions, to a combined limit of roughly $70,000 depending on income and age.

Is a Solo 401(k) tax deductible?

Yes — traditional contributions are deductible against business income now; Roth options trade the deduction for tax-free growth.

Can a Solo 401(k) hold real estate?

Self-directed Solo 401(k)s can hold alternative assets including real estate, subject to strict rules — set up and operated with professional guidance.

Process explained

The Solo 401(k): A Creator's Biggest Single Deduction

Midas — the financial team behind the creators · Reviewed for educational accuracy

A Solo 401(k) lets a self-employed creator contribute as both employee and employer — up to $23,500 on the employee side (2025) plus employer profit-sharing, to a combined limit of roughly $70K per year. Every traditional dollar of it is deductible now.

Why it beats a regular 401(k)

Higher limits: both sides of the contribution belong to you.
Self-directed: the account can hold what you choose — index funds, real estate, other assets — not a preset menu.
Bracket control: big-year contributions pull income out of the top brackets exactly when it hurts most.

The creator fit

Careers are front-loaded: peak creator income often lands in a 5–10 year window. A maxed Solo 401(k) converts the peak into permanent, compounding wealth — and cuts the tax bill in the exact years it's largest. Pair with an HSA ($8,300 family limit) and 100%-deductible health premiums for the full self-employed stack.

Want your actual number? The Midas Audit reviews your last two years and puts it in writing — what you overpaid, what's recoverable, what's available going forward. If it doesn't show at least twice our fee in recoverable savings, we refund it.

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