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This question already has an answer here:

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)?

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marked as duplicate by Joe, Community♦ Sep 8 '15 at 22:57

This question has been asked before and already has an answer. If those answers do not fully address your question, please ask a new question.

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    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 Sep 8 '15 at 21:46
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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.

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  • Isn't this essentially the same as the answer in the linked duplicate? – Joe Sep 8 '15 at 21:50
  • wrote it before I knew it was a dup. – Rocky Sep 8 '15 at 22:30
  • Ah, understood. – Joe Sep 9 '15 at 14:08

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