The whole story on one page.
A 401(k) designed so the tax credits and deductions cover its cost. Built for businesses with 10 to 75 employees.
What you’re personally allowed to defer. What your business can claim in credits. What a real Texas business with 44 employees actually netted. One page, and then you’ll know whether this is worth a conversation.
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The net-zero 401(k) · For business owners
3 John 1:2
Pay your team. Not the IRS.
A 401(k) designed so tax credits and deductions cover its cost. Purpose-built for businesses with 10 to 75 employees. Here is the whole story on one page. The full guide has the details, updated for 2026 limits.
You, personally
$24,500
of income deferred before taxes in 2026. Add $8,000 at age 50, or $11,250 at ages 60 to 63. Roth options make withdrawals tax free instead.
Your business
$265,000
available in SECURE 2.0 tax credits over a plan’s first five years. Deductions and payroll-tax savings stack on top.
Just you?
$72,000
a year in combined contributions through a solo 401(k), with almost none of the administrative weight of a company plan.
SECURE 2.0 credits can pay you back for starting a plan
$1,500for automatic enrollment, $500 a year for 3 years
$15,000in startup costs, 100% covered for teams of 50 or fewer
$1,000per eligible employee per year for your contributions, first 5 years
Credits reduce your tax bill dollar for dollar. Stacked together, they are the engine behind the net-zero 401(k).
A real example
A Texas business with two owners and 44 employees. After credits, deductions, and forfeitures, the plan costs less than zero and saves up to $57,104 vs a typical 3% safe harbor design. Explore it at planforge401k.com/tnt-ref
−$13,816
Net cost to the business
See what a plan would save you
Guided by Nick Moore, CFP®. A real advisor. Not a call center.
PlanForge Consulting · The net-zero 401(k) Educational material, not tax or legal advice. 2026 IRS limits, subject to change. planforge401k.com
Been putting this off? It takes a minute to find out what it’s worth.
PlanForge Consulting · Nick Moore, CFP® · nick@planforge401k.com · 214-908-2310 · Partner Calculator
