Interactive Tool
Retirement Projector
1099 CRNAs can shelter significantly more than W2 employees. A Solo 401(k) allows up to $70,000+/year in tax-deferred contributions. See how each account type stacks up for your income level.
Your Details
Retirement Account Comparison
| Account | Annual | Tax Savings/yr | Projected Balance |
|---|---|---|---|
Solo 401(k) | $70,000 | $22,400 | $4,427,433 |
SEP IRA | $60,028 | $19,209 | $3,796,682 |
Defined Benefit Plan | $80,000 | $25,600 | $5,059,923 |
Solo 401(k) + DBP ComboHIGHEST | $118,000 | $37,760 | $7,463,386 |
Solo 401(k)
saves $22,400/yr in taxes
Employee: $23,500 + Employer: $46,500. Pre-tax contributions reduce your taxable income dollar-for-dollar.
SEP IRA
saves $19,209/yr in taxes
25% of net SE income. Simpler to administer than Solo 401(k) but typically allows less. No employee contribution — employer only.
Defined Benefit Plan
saves $25,600/yr in taxes
Actuary-determined contributions — this is an estimate. Can shelter $100K-$265K/yr depending on age. Requires annual actuary fees ($2-3K). Best for high earners age 45+ with stable income.
Solo 401(k) + DBP Combo
saves $37,760/yr in taxes
Maximum shelter strategy. Solo 401(k) stacked with a smaller DBP. Requires two plans and actuary involvement. For CRNAs earning $300K+ who want to maximize tax deferral.
Estimates only
- Projections assume constant annual contributions and returns. Real returns vary year to year.
- Defined Benefit Plan contributions are actuary-determined — our estimate is illustrative only.
- This does not account for RMDs, early withdrawal penalties, or Roth conversion strategies.
- Consult a financial advisor and CPA before establishing any retirement plan.
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