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Business Retirement Contributions

Estimate SEP IRA, SIMPLE, and 401(k) contribution limits from net income or owner salary.

Tax year

Age

Business type

Expected net business income Enter the net income for the year. Make sure to include depreciation and other tax factors for year-end taxable net income.

Annual salary Enter the amount paid to owner on W-2 only (not distributions or dividends).

Deferrals already made at another job Elective deferrals already made this year to another employer's 401(k), 403(b), SIMPLE, or similar plan. These reduce the employee deferral here. They do not reduce the employer contribution.

Social Security wages already taxed on a W-2 W-2 Social Security wages use up the wage base before self-employment income. Leave at zero if this business is your only earned income.

Choose year, age, and business type, then run the estimate.

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Contribution limits

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Select tax year, age, and business type to see SEP, SIMPLE, and 401(k) limits.

Employee —

Employer —

Total contributions —

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Retirement Contribution

Tax year — · —

Highest total contribution —

Compensation —

Age range —

Retirement Contribution Limits

This calculator is provided for informational and educational purposes only and does not constitute tax, legal, accounting, or financial advice.

Results are estimates based solely on the information entered and assumptions used by the calculator. Actual contribution limits may vary based on plan documents, compensation definitions, and IRS rules.

Plan eligibility, employee coverage requirements, top-heavy rules, and state tax treatment are not determined by this tool.

Important disclaimers

This calculator is provided for informational and educational purposes only and does not constitute tax, legal, accounting, or financial advice.
Results are estimates based solely on the information entered and assumptions used by the calculator. Actual contribution limits may vary based on plan documents, compensation definitions, and IRS rules.
Plan eligibility, employee coverage requirements, top-heavy rules, and state tax treatment are not determined by this tool.
Plan compensation for a self-employed owner is net profit minus the deductible half of self-employment tax. The 0.9% Additional Medicare Tax is not part of that deduction.
The Roth catch-up rule, in effect for 2026, requires catch-up contributions to be Roth when prior-year FICA wages from the sponsoring employer exceed $150,000. Schedule C income is not FICA wages, so a sole proprietor with no W-2 wages is not subject to it.
This estimate assumes no non-spouse employee meets plan eligibility. Elective deferrals generally must be elected by December 31. A sole proprietor who adopts a new plan can make the first-year deferral up to the filing deadline without extensions (SECURE 2.0 section 317).

What's Next?

Before making retirement contribution decisions, confirm the tax impact with a qualified advisor.

These calculations are designed to increase awareness → they are not personalized financial or investment advice.

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