For an individual who was self-employed part of this year and contributed to an Solo 401(k). Now the individual is employed and covered under a standard 401(k).

Does the solo 401(k) contribution lower the 18K contribution limit to the 401(k)?

  • 1
    Just to clarify: the duplicate's (correct) answer is that yes, it does lower the limit: the limit is in total of all 401(k) plans.
    – Joe
    Commented Sep 8, 2015 at 21:46

1 Answer 1


You can have multiple 401(k) plans, however the total annual contribution limit is still a total of $18k (in 2015).

As you anticipated in your question, if you defer 10K in one plan, for example, you may only contribute up to $8k in the second plan in order to stay under the $18k 2015 deferral limits.

Here's an article with more details.

  • Isn't this essentially the same as the answer in the linked duplicate?
    – Joe
    Commented Sep 8, 2015 at 21:50
  • wrote it before I knew it was a dup.
    – Rocky
    Commented Sep 8, 2015 at 22:30
  • Ah, understood.
    – Joe
    Commented Sep 9, 2015 at 14:08

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