HW & Associates CPA, PLLC
Free Planning Tool

Retirement Contribution Estimator for Business Owners

Explore potential retirement-plan contribution opportunities for employees, self-employed individuals, and business owners.

Free educational estimator • No signup required • Calculator inputs stay in your browser

This is an educational contribution estimator only. It does not determine plan eligibility, compensation definitions, nondiscrimination testing, plan-document requirements, filing deadlines, tax deductibility, or investment suitability.

Your Situation

Age is used only to show whether age-based catch-up amounts may apply.

Business income after ordinary and necessary business expenses, before retirement contributions.

The amount you would like to defer from pay. Leave blank to show the maximum deferral allowed.

Percentage of compensation contributed by the employer, such as a match or profit-sharing formula. Enter a number from 0 to 100.

Amounts already contributed for this tax year. Enter $0 if none.

For general educational use only. Do not enter Social Security numbers, bank information, payment information, tax documents, or other sensitive personal information.

Potential Contribution Estimates

Enter your details and select Estimate Contributions. Results appear here and stay in your browser.

Where Do I Find These Numbers?(show)
  • W-2 wages: Generally Form W-2, Box 1 or Box 5, depending on the plan's compensation definition.
  • Net self-employment earnings: Generally estimated from Schedule C net profit, before retirement contributions.
  • Existing contributions: Generally shown on payroll records, plan statements, or year-to-date payroll reports.

Official IRS Sources

Tax-year settings last reviewed: August 11, 2026.

Educational use only. This estimator provides a simplified, general estimate based solely on the information entered and the selected tax-year settings. It is not tax, legal, accounting, financial, or investment advice, is not IRS-approved, and does not guarantee any tax savings or the avoidance of any tax, interest, or penalty.

Retirement-plan contribution rules depend on plan documents, compensation definitions, ownership, controlled-group rules, employee eligibility, contribution timing, tax year, filing deadlines, and other factors. Confirm all contribution amounts with a qualified tax and retirement-plan professional before funding or deducting a contribution.

Use of this calculator or website does not create a CPA-client, accountant-client, attorney-client, fiduciary, or other professional relationship with HW & Associates CPA PLLC. A professional relationship begins only when HW & Associates CPA PLLC accepts an engagement and the parties execute an applicable engagement agreement.

Do not enter Social Security numbers, employer identification numbers, bank-account details, payment-card information, IRS identity-protection PINs, tax returns, or other sensitive information. Calculator inputs and results are processed locally in the visitor's browser and are not intentionally saved or transmitted by this calculator.