Veran Finance

Self-Employed Retirement Contribution Calculator

2026 tax year

Estimate your maximum Solo 401(k) and SEP IRA contribution for the year, side by side, based on your net self-employment income.

Your numbers

Your business profit after expenses, before any retirement contribution.

$

Optional. The employee deferral limit is shared across every 401(k)/403(b) plan you participate in, not per plan — so a W-2 job's plan reduces what you can defer here.

$

Estimated maximum contribution

Solo 401(k)

$0

Employee deferral
$0
Employer (profit-sharing)
$0

SEP IRA

$0

Employer contribution
$0

Based on net profit reduced by half of your self-employment tax, per the IRS worksheet for self-employed retirement contributions.

This calculator gives a general estimate for educational purposes only — it isn't personalized financial or tax advice. It doesn't account for every possible situation (multiple businesses, plan-specific rules, prior-year corrections). Confirm your actual limit with a CPA or your plan provider before contributing. Read our full Financial Disclaimer.

Sources

We cite official, primary sources for the figures and rules referenced in this article.