When you're self-employed, it can be difficult to decide what percentage you should contribute to a SEP-IRA or a Self-Employed 401(k) plan or a Profit Sharing plan.

We can help. Answer 5 simple questions,

then adjust your contribution percentage to model different scenarios and compare plans.

? ?
Type of Business
Net Business Profit
Contribution Percentage

Contribution Amount

If you're self-employed or own a small firm, a Fidelity SEP-IRA can help you boost your retirement savings.

Contribute to SEP IRA via EFT Call 800-544-5373Learn more


Employer   Contribution

Employee  Contribution

CatchUp    Contribution

Total Contribution Amount

The Fidelity Self-Employed 401(k) plan can help sole proprietors maximize their retirement savings contributions.

Call 800-544-5373Learn more

Profit Sharing
Contribution Amount

Profit sharing plans can be a powerful tool in promoting financial security in retirement. They are a valuable option for businesses considering a retirement plan, providing benefits to employees and their employers.

Call 800-544-5373

If you have more than one source of income or participate in another salary deferral plan or sponsor and/or contribute to another retirement plan, this calculation will not be accurate. You are advised to consult with your tax advisor or accountant.

Fidelity does not provide legal or tax advice. Both tools are intended to serve as guides only, and you should consult your tax advisor for further assistance.

Fidelity Brokerage Services LLC, Member NYSE, SIPC



Year for which the contribution will be made.


Net business profit is the total revenue of the business minus all expenses. From Schedule C, C-EZ, or K-1


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