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Retirement Plan Contribution Calculator

See how much a Solo 401(k), SEP-IRA, or SIMPLE IRA lets a business owner contribute in 2026.

Highest estimated 2026 contribution$52,381
Solo 401(k)
$52,381
SEP-IRA
$27,881
SIMPLE IRA (with 3% match)
$21,156

Estimate only. A CPA will confirm what applies to you.

Choose a plan with a CPA

Before choosing a plan, consider

  • Whether you have, or plan to hire, eligible employees
  • Setup and funding deadlines, which differ by plan type
  • How much cash you can commit every year
  • Whether you want a Roth option
  • Administration costs and Form 5500-EZ filing once assets pass $250,000
  • Whether a cash balance plan could add a larger deduction

Turn an estimate into a plan

This calculator uses simplified 2026 federal rules to show whether an idea is worth a conversation. A CPA can confirm the numbers with your actual returns, check eligibility and deadlines, and put the plan in place.

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Educational estimate, not tax advice.