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自我雇佣英雄

自由职业者的解决方案 & 独资企业

的re are many benefits of a retirement plan for workers and business owners. 当你自己当老板的时候,你就满足了这两种情况, which means you could have significant 401(k) savings potential. Let Paychex Solo* help you make the most of being self-employed by making it easier to save for retirement and minimize taxes. 

将401(k)储蓄最大化,无论作为雇主还是雇员

In 2022, 你最多可以留出61美元,000 (limit is the total an employee can receive from all contributions, 雇员及雇主供款), 加上6美元,如果你超过50岁,就可以贡献500个.

现在就为未来做好准备

In uncertain times, give yourself a secure retirement savings vehicle.

开始Paychex Solo,为你的未来做准备.

公司成立及启动服务

Paychex Solo includes your choice of two filings of any of the following services through our partner, MyCorporation®:

  • 状态标识
  • 营业执照 (DBA或城市营业执照)
  • 企业形成
  • 联邦税收id
自我工作列

自由职业者 401(k) Services: start earlier and potentially save more 

的 greatest advantage of Paychex Solo for owner-only businesses is that you can make significant 401(k) contributions as both employer and employee — making the most of your retirement contribution and tax breaks on business deductions.

自我工作列

综合工资服务

Integrating your 401(k) with payroll services means your solo 401(k) contributions are withdrawn on a pre-tax basis, allowing you to build your retirement savings while saving on federal and state taxes. If you ever decide to hire employees, Paychex services can scale with your business.

自我工作列

薪俸及税款节省

Paychex Solo helps you save on 业税es by making it easy to pay yourself a salary and establish your business as an S-corporation. 成为s公司的税收优惠:

  • Taxes are taken directly from your paycheck, making them easier to manage
  • 扣除你的工资以减少你的应税收入
  • You don’t have to pay Federal Insurance Contributions Act (FICA) taxes on income earned beyond your reasonable salary amount, 这可能是一个重大的节省
自我工作列

自雇退休及工资单常见问题解答

  • 如何设立自雇工资单?

    如何设立自雇工资单?

    Paychex Solo可以为你提供一个简单的, efficient way to pay yourself wages as an employee of your own business when you’re incorporated as an LLC or S-corp. This includes options for direct deposit and helping file IRS Forms W-4 and W-2.

  • 什么是自雇税?

    什么是自雇税?

    业税 is a combination of the employer and employee shares of FICA tax applying to net earnings. It helps solopreneurs build Social 安全 and Medicare credits.

  • How much are payroll taxes for self-employed business owners and how do I calculate them?

    How much are payroll taxes for self-employed business owners and how do I calculate them?

    目前的个体税税率是12.4%的社会保险和2.9%的医疗保险. 而12.4% applies to net earnings up to the wage base for the Social 安全 Tax ($132,900), 2.9%没有收入上限.

    例子:

    If:

    收入-扣除费用= 15万美元

    然后:

    个体户工资税=(132,900美元× 12.4) + ($150,000 x 2.9) = $20,829.60

    如果你从一份工作中获得额外的 工资, they must also be included up to the wage ceiling for Social 安全 and up to the full revenue, 减去医疗保险的可扣除费用.

  • 是否有自雇税减免?

    是否有自雇税减免?

    是的, one half of the 业税 is deductible from gross income whether or not you itemize your personal deductions. 它不会从你的营业收入中扣除.

  • 什么是个人401(k)计划?

    什么是个人401(k)计划?

    A solo 401(k) is a retirement plan that is specifically created for use by a self-employed individual. It offers these solo entrepreneurs the retirement and tax-saving benefits of a 401(k) while making it easy to establish and manage a plan. 个人401(k)计划是个人Paychex solo计划的一部分, along with payroll and incorporation services to help you save on taxes while you save for retirement.

  • 我可以向401(k)个人缴费多少??

    我可以向401(k)个人缴费多少??

    In 2020, 个人专属401(k)计划允许你缴纳最多57美元,000, 加上6美元,如果你超过了50岁,你将会有500个补偿性贡献. This limit is the total an employee can receive from all contributions, 雇员及雇主供款.

  • 个人401(k)计划涵盖哪些人?

    个人401(k)计划涵盖哪些人?

    A solo 401(k) may provide retirement savings for a self-employed individual and their spouse. No employees may be covered by a solo 401(k) unless they happen to be dependents of the owner.

  • Who is eligible for solo 401(k), payroll, and incorporation services as part of Paychex Solo?

    Who is eligible for solo 401(k), payroll, and incorporation services as part of Paychex Solo?

    如果你是自雇, you may establish payroll and a solo 401(k) through Paychex Solo if you do not have any employees, 是注册, 你会遇到一般情况 401(k)计划资格要求. Our incorporation services can help you with the filings necessary to start the process.

  • 我是否需要一个EIN来建立一个单独的401(k)和工资?

    我是否需要一个EIN来建立一个单独的401(k)和工资?

    是的. 在建立工资表并向401(k)缴费之前, 自雇人士必须向美国国税局(IRS)申请个人身份证. Paychex Solo includes incorporation services that can help you establish an EIN to take advantage of our solo 401(k) and payroll services.

  • 如果我有员工,我能参加个人401(k)计划吗?

    如果我有员工,我能参加个人401(k)计划吗?

    这取决于. A solo 401(k) is intended for use by a self-employed individual with no employees. However, if your spouse works for you, they would be covered under a solo 401(k) as a dependent. 儿童和其他家庭成员不符合资格.

  • Can a Form 1099 independent contractor benefit from the solo 401(k) in Paychex Solo?

    Can a Form 1099 independent contractor benefit from the solo 401(k) in Paychex Solo?

    是的. 独立承包人是个体经营者. 一切都在Paychex Solo, 包括单人401(k)计划, was created specifically for sole proprietors like 1099 independent contractors.

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