2026 SEP IRA Contribution Calculator
Start with a quick owner estimate. Switch to Advanced when you want the formula, outside wage adjustment, employee-cost estimate and plan comparison.
For sole proprietors and single-member LLCs
Estimate your 2026 contribution
Start with the numbers that drive a straightforward owner estimate.
- Uses your selected contribution rate and estimated adjusted net earnings.
- Capped by the applicable 2026 compensation and annual limits.
Want a more precise estimate?
Advanced mode adds outside W-2 wages, deduction context, employee considerations and the full calculation ledger. It still uses the same verified calculation engine as Basic mode.
Open Advanced modeThe answer in 30 seconds
For 2026, most Schedule C owners using the maximum 25% plan rate calculate their contribution as 20% of adjusted net earnings, capped at $72,000. The published ceiling is not an automatic contribution amount.
2026 SEP IRA key facts
- Annual contribution limit
- $72,000
- Compensation considered
- $360,000
- Common reduced owner rate
- 20%
For information only. Not tax advice. Consult a qualified professional for your specific situation.
How this calculator works
It applies the IRS reduced-rate method to a straightforward Schedule C scenario. The estimate adjusts net profit for the deductible half of estimated self-employment tax, applies the reduced owner rate, and tests the result against the compensation and annual limits.
Read the complete 2026 SEP IRA guide →Use Advanced mode when:
- You also have W-2 Social Security wages
- Your business has eligible employees
- You want a rough deduction-value context
- You are comparing a SEP with a Solo 401(k)
A calculator gives you a number. Planning decides whether it is the right number.
Review your entity, employees, other retirement plans and filing deadline before contributing.