Self-Employed Retirement Contribution Calculator
Compare a SEP-IRA contribution with a solo 401(k) contribution from the same self-employment profit.
2025 limits follow Notice 2024-80. 2026 limits follow Notice 2025-67. 2027 reuses the 2026 limits and is labeled unofficial.
Estimate
$43,087.04
- Net earnings after half of self-employment tax
- $92,935.22
- SEP-IRA employer contribution
- $18,587.04
- Solo 401(k) employer contribution
- $18,587.04
- Solo 401(k) deferral
- $24,500.00
- Solo 401(k) catch-up
- $0.00
- Solo 401(k) total
- $43,087.04
- This estimate is calculated in your browser and is not sent to a server.
- 2026 limits follow Notice 2025-67.
Limits of this estimate
- This is for an owner with no employees.
- A 2027 result is not an official 2027 limit.
- This is educational information, not tax, legal, or accounting advice, and it does not file a return.