The 2026 Retirement-Founder Math: Can a 100-User Micro-SaaS Fund Your 401(k) and HSA?
For a solo founder, a 100-user Micro-SaaS must generate $9,000-$11,000 in MRR to cover living costs and fully fund a 401(k) and HSA. This requires a $90-$110 ARPU, targeting professional users with a premium product.