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The figures this uses
| Figure | 2026 | Source |
|---|---|---|
| Defined contribution limit | $72,000 for 2026 under section 415(c)(1)(A) | irs.gov |
| Compensation that can be counted | $360,000 for 2026 under section 401(a)(17) | irs.gov |
| Self-employed reduced contribution rate | the plan rate divided by the plan rate plus one — the IRS's example is 10%, which becomes 0.090909 | irs.gov |
| Where a self-employed contribution is deducted | Schedule 1, not Schedule C, so it reduces income tax and not self-employment tax | irs.gov |
This calculator is for educational purposes only and does not constitute tax, legal, or financial advice. It covers United States federal tax and simplifies in the ways noted beside each result. Consult a qualified tax professional about your situation.