2026 Retirement Contribution Limits Calculator
Find your IRA, SEP-IRA, Solo 401(k), and SIMPLE IRA limits based on income, age, and business structure.
Your Information
Used to calculate Roth IRA MAGI eligibility.
Frequently Asked Questions
What are the 2026 IRA contribution limits?
In 2026, you can contribute up to $7,000 to a Traditional or Roth IRA. If you are age 50 or older, the catch-up contribution limit adds $1,000, for a total of $8,000.
What is the 2026 SEP-IRA contribution limit?
The 2026 SEP-IRA limit is the lesser of 25% of your net self-employment compensation or $70,000. For sole proprietors, compensation is calculated as net self-employment income multiplied by 92.35% (after the SE tax deduction).
What is the Solo 401(k) limit for 2026?
For 2026, Solo 401(k) employee contributions are $23,500 (plus $7,500 catch-up if age 50+). Employer profit-sharing contributions can add up to 25% of W-2 salary (S-corps) or adjusted net SE income. The combined total is capped at $70,000.
At what income does the Roth IRA phase out in 2026?
In 2026, the Roth IRA phase-out begins at $150,000 for single filers ($165,000 complete phase-out) and $236,000 for married filing jointly ($246,000 complete phase-out). Above these limits, you cannot contribute directly to a Roth IRA, though the backdoor Roth strategy may still be available.
Which retirement account is best for self-employed individuals?
It depends on income and business structure. A Solo 401(k) typically allows the highest contributions because it includes both employee and employer components. SEP-IRAs are simpler to administer. For lower-income self-employed individuals, a traditional IRA may suffice. S-corp owners can maximize Solo 401(k) benefits by setting an optimal W-2 salary.
Related Tools & Guides
This calculator provides estimates for informational purposes only. Contribution limits and phase-out ranges are based on 2026 IRS guidance. Consult a qualified tax advisor for personalized retirement planning advice.