retirement

The 2026 Micro-SaaS Catch-Up Contribution: Can 100 Users Fund a Solo Founder’s Accelerated Retirement Savings?

This analysis determines if a 100-user Micro-SaaS can generate enough profit to fund a solo founder's full 401(k) catch-up contributions. It calculates required ARPU, examines tax-efficient structures, and outlines the specific business model constraints for success.

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.