Self-employed individuals can shelter up to $69,000 annually in retirement accounts—dramatically reducing taxes. Here's how to choose the right account.
Highest contribution limits for solo operators.
High earners wanting maximum shelter
Simple setup with high limits.
Simplicity with good limits
For self-employed with employees.
Self-employed with 1-2 employees
Basic retirement account for everyone.
Those maxing out other accounts
Pension-style for very high earners.
Earners over $400K wanting max shelter
We compared contribution limits, setup complexity, flexibility, Roth options, and suitability for different income levels.
AlphaTax's Retirement Optimizer calculates your exact contribution limits for each account type, shows dollar-for-dollar tax savings, and recommends the optimal strategy for your income level.
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