Tax · Free calculator2026 rules

Retirement contributions

How much you can put in a Solo 401(k), SEP, SIMPLE IRA or IRA for 2026. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Do you run this business by yourself, with no employees?

This is for people who file taxes as themselves (sole proprietor or single-member LLC). If you have employees or a partner, run an S-Corp, or your spouse is in the plan, the numbers below need adjusting.

YesNo

This calculator works if: you file taxes as yourself (sole proprietor or single-member LLC); you have no employees; your spouse isn’t in this business’s plan; you have no other business of your own; and any other job is with an unrelated employer. The plan must allow the full contribution and any catch-up. Not for an S-Corp, a partnership or a group of related businesses.

Which retirement plan are you looking at?Not sure? A SEP IRA is the simplest to open. A solo 401(k) usually lets you put in the most, especially under about $150,000 of profit. A SIMPLE IRA is for small employers with staff. You can also have a personal IRA alongside any of them.

What will your business profit be for 2026? (dollars)

Income minus business costs for the year. For example, 100,000.

How old will you be on December 31, 2026? (years)

At 50 or older you can put in more. Ages 60 to 63 can put in even more.

Do you also have a job (a W-2) besides this business?

YesNo

Did you put money into a 401(k) or 403(b) at another job in 2026?

YesNo

Have you already put money into this business’s retirement plan for 2026?

YesNo

My situation fits the list above. I will check my plan’s rules and deadlines before I put money in.

Your answer shows up here.

Answer the questions, then press Calculate.
Or load example numbers to see how it works.

Free · no sign-up needed

Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.