🔧 61tools Home All Tools

Freelancer Retirement Contribution Calculator 2026

SEP-IRA vs Solo 401(k) — find your maximum contribution and tax savings for 2026.

💸 Enter Your Self-Employment Income

Net Self-Employment Income ($)

Age (50+ allows catch-up contributions)

Your Marginal Tax Rate (%)

Already Contributing to Another Plan?

SEP-IRA Max Contribution
—

Solo 401(k) Max Contribution
—

SEP-IRA Tax Savings

—

Solo 401(k) Tax Savings

—

Best Option for You

—

Open your SEP-IRA or Solo 401(k) today

Fidelity and Vanguard offer free Solo 401(k) and SEP-IRA accounts with no annual fees.

Open at Fidelity →

More Free Calculators

Backdoor Roth IRA Calculator 2026

Pro-rata rule & conversion tax impact

LLC vs S-Corp vs C-Corp Tax Calculator 2026

Most accurate 4-entity comparison — includes QBI deduction

Airbnb Host Tax Calculator 2026

Short-term rental income tax + deductions

MRR & ARR Calculator

Monthly & annual recurring revenue with growth rate

⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.