Everything About SEP IRA

Solo 401(k)SEP IRARetirement PlansSelf-EmploymentTax PlanningFreelanceSmall BusinessIra

Solo 401(k) vs SEP IRA: The Self-Employed Retirement Plan Decision That Could Save You Thousands

In 2026, a self-employed person earning $100,000 can contribute about $18,587 to a SEP IRA versus $43,087 to a Solo 401(k). This guide compares 2026 contribution limits, Roth options, December 31 deadlines, and Form 5500-EZ filing thresholds so freelancers and consultants can choose the right plan.

Small BusinessRetirement Plans401(k)SEP IRASIMPLE IRATax PlanningEmployee Benefits

Small Business Retirement Plans: 401(k) vs. SEP IRA vs. SIMPLE IRA

Compare the three most popular small business retirement plans—401(k), SEP IRA, and SIMPLE IRA—with 2026 contribution limits, pros and cons, and a decision framework to find the best fit for your business.