How far can a self-employed filer contribute, and to which vehicle? Prices all three of Solo 401(k), SEP-IRA and SIMPLE IRA against one dated set of IRS limits, names the cap that actually bound each one, and ranks them. The tax year is an input below, not a clock, this page ships the 2026 table only.
Self-EmployedExplicit As-OfInteger CentsCap AttributionZero PIIClient-side only
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data; use synthetic or anonymised inputs only.
Scope & reliance
Tax year tax_year is an input; the node reads no clock. A year with no pinned IRS table is a NO_LIMITS_FOR_TAX_YEAR refusal, never another year's limits. Amounts are integer cents with floor division. Tax savings are contribution × marginal_rate_bp, an identity at a rate you supply, not a projection. Not modelled: the Social Security wage base ($184,500 for 2026, so the true SE rate falls below 15.3% above it); the employer 25% ceiling measured net of the employee deferral; SIMPLE $18,100 small-employer limits and 402(g) aggregation across an outside plan; the $400 net-earnings SE-tax floor; Roth catch-up wage thresholds; and plan administration cost. Draft node, not yet registered.
Profile, tax year and rate
Edit any field and run. Money is entered and read back in whole dollars and converted to cents at the edge; the kernel itself is integer-only.
Result
Base the ceilings run on
Scope
Execution Hash & v4 Artifact
SHA-256 execution hash (JCS canonical, RFC 8785):
Ask your agent
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `compare_solo401k_sep_simple`. Task: Self-employed retirement-contribution comparator: the maximum Solo 401(k), SEP-IRA and SIMPLE IRA contribution under one dated set of IRS limits, each plan's binding cap, a winner ranked by maximum contribution with a declared tie order, and the estimated tax saving at a caller-supplied marginal rate.
Call it with arguments: {"policy_parameters":{"tax_year":2026,"net_income_usd_cents":12000000,"age":45,"marginal_rate_bp":2400,"existing_employer_plan":false,"existing_deferrals_cents":0}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-764-solo-401k-vs-sep-ira.html#p=v1.H4sIAAAAAAAA_wGOAHH_eyJ0YXhfeWVhciI6MjAyNiwibmV0X2luY29tZV91c2RfY2VudHMiOjEyMDAwMDAwLCJhZ2UiOjQ1LCJtYXJnaW5hbF9yYXRlX2JwIjoyNDAwLCJleGlzdGluZ19lbXBsb3llcl9wbGFuIjpmYWxzZSwiZXhpc3RpbmdfZGVmZXJyYWxzX2NlbnRzIjowfdAmQAOOAAAA