2026 small business retirement

SIMPLE IRA Contribution Calculator

Estimate employee salary reduction, catch-up eligibility, other plan coordination, and employer contributions from one shareable 2026 plan.

Total estimated contribution$17,55020.6% of counted pay

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2026 estimate

Allowed employee deferral$15,000$6,000 employee deferral room remains
Base employee limit$17,000
Catch-up amount$4,000
Employer contribution$2,550
Total estimate$17,550
Plan cap checkAvailable room after other employer plan deferrals is $24,500.
Under age 50$17,000
Age 50-59 or 64+$21,000
Age 60-63$22,250

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2026 limits used

  • Employee salary reduction limit: $17,000
  • Certain small-employer higher limit: $18,100
  • Age 50 catch-up: $4,000
  • Higher-limit plan age 50 catch-up: $3,850
  • Age 60-63 catch-up: $5,250
  • Compensation counted for nonelective contributions: $360,000