SEP IRA Calculator
2026Calculate maximum SEP IRA contribution for self-employed. 2026 limit: $72,000 or 25% of compensation.
Max SEP Contribution
$20,000.00
Your Contribution
$20,000.00
Annual Tax Savings
$4,400.00
Balance at 65
$1,353,529.41
2026 SEP IRA Limits
- Maximum contribution: $72,000
- Effective self-employed rate: ~20% of net SE income
- Your marginal tax rate: 22%
Contribution & Growth Summary
| Annual Contribution | $20,000.00 |
| Years to Retirement | 25 |
| Total Contributions | $500,000.00 |
| Investment Growth | $853,529.41 |
| Projected Balance at 65 | $1,353,529.41 |
Year-by-Year Projection
| Age 40 | $21,400.00 |
| Age 45 | $153,080.42 |
| Age 50 | $337,769.03 |
| Age 55 | $596,804.35 |
| Age 60 | $960,114.78 |
| Age 64 | $1,353,529.41 |
Use the SEP IRA Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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