How does a SEP-IRA compare to a solo 401(k) for a self-employed freelancer with no employees?
Contribution limits 2026 numbers A SEP‑IRA has one simple rule: you, wearing your employer hat, put away up to 25% of your net self‑employment earnings, capped at $72,000 1 2 3 5 6 17 . There are no separate “employee” contributions and no extra catch‑up for those 50 or older...
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