Tax & Payroll
SEP IRA Contribution Limit Calculator (2026)
Find the maximum 2026 SEP IRA contribution for a self-employed owner or an employee paid on W-2.
Preparing your result…
What this calculator does
Shows maximum SEP IRA contribution.
What your result means
Contribution after SE tax adjustment and caps.
Formula
W-2: 25% × min(salary, $360,000). Self-employed: 20% × (profit − ½ SE tax), i.e. 25% of net earnings after the contribution; capped at $72,000
The step-by-step working for your own numbers appears with the result above and in the PDF report.
Frequently asked questions
Symbols and assumptions
- C
- Compensation
- • 2026: $72,000 cap, $360,000 comp limit.
Sources and review
Reviewed 2026-09-23 · Next review 2027-01-15
- • Employee coverage not modelled.
- • Rules change annually.
- • Educational estimate, not tax advice.
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
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