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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

SEP-IRA Max Contribution
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Solo 401(k) Max Contribution
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SEP-IRA Tax Savings
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Solo 401(k) Tax Savings
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Best Option for You
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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 →

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⚠️ 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.