Small business retirement planning
2026 SEP IRA Contribution Calculator
Estimate SEP IRA room for a common-law employee or a self-employed owner, including the 2026 IRS dollar cap, compensation cap, current contributions, and a simple tax-savings estimate.
Remaining SEP room
$33,760
2026 max contribution
$33,760
Limit driver
Self-employed rate adjustment
Inputs
Contribution room
Plan compensation base
$168,800
Effective contribution rate
20%
Already contributed
$0
Potential tax savings
$8,102
2026 IRS limit checks
SEP annual contribution cap$72,000
Compensation considered for SEP limit$360,000
Maximum entered plan rate25%