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SEP IRA Calculator
Project SEP IRA balance growth from recurring contributions with a free small-business retirement calculator.
Projected balance
$642,089
Total contributions
$270,000
Investment growth
$372,089
What this estimate means
240 months of contributions modeled with monthly compounding.
This is a planning estimate, not a guaranteed return forecast.
How to Use
- Enter any existing SEP IRA balance you already have.
- Add your expected average monthly contribution.
- Choose a return assumption and time horizon.
- Review the projected account value and accumulated growth.
Frequently Asked Questions
What is a SEP IRA?
A SEP IRA is a retirement plan often used by self-employed people and small businesses because contributions can be flexible and meaningful.
Why is this relevant for freelancers or owners?
Business owners often use SEP IRAs to save pre-tax dollars for retirement without running a full 401(k) plan.
Does this calculator include annual IRS limits?
No. It is a projection tool, so always check the current tax-year contribution rules separately.
Can I compare this with a Solo 401(k)?
Yes. Many self-employed savers evaluate both account types depending on income, complexity, and contribution flexibility.
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