The contribution limit for a SEP IRA (Simplified Employee Pension Individual Retirement Account) is determined based on your compensation and the tax year's maximum limits set by the IRS. Here's a breakdown of the contribution limits for 2024:
Employer Contributions: Employers can contribute up to:
25% of an employee's compensation (for self-employed individuals, this is based on adjusted net earnings from self-employment). A maximum of $66,000 for 2024.
Self-Employed Individuals: For self-employed people, calculating the contribution involves accounting for the self-employment tax deduction. The effective limit is typically around 20% of net adjusted self-employment income.
No Employee Contributions: SEP IRAs are funded exclusively through employer contributions. Employees cannot make direct contributions to their SEP IRA.
Compensation Cap: In 2024, the compensation used to determine contributions is capped at $330,000.
首先谢谢大家下面的留言。工作忙 今天才有空读 没有一一回复 见谅。
据他们说 ， SEP IRA 是无限制存的， solo 401 k 是有限制的（ 大约两万多？） 而且第一种开账户很简单，只用了SSN。 而且四月份之前存就可以。
已婚， 收入二十多万。 LD另外有大公司工程师的工作， 一直联合报税， LD有401 K（有限制最高额度存款） 。 这种情况下我仍然能存6万多，还是必须扣除LD的401 K， 剩下的我才能存？
会计师休假，没回信。谢谢大家！
The contribution limit for a SEP IRA (Simplified Employee Pension Individual Retirement Account) is determined based on your compensation and the tax year's maximum limits set by the IRS. Here's a breakdown of the contribution limits for 2024:
Employer Contributions:
25% of an employee's compensation (for self-employed individuals, this is based on adjusted net earnings from self-employment). A maximum of $66,000 for 2024.Employers can contribute up to:
Self-Employed Individuals:
For self-employed people, calculating the contribution involves accounting for the self-employment tax deduction. The effective limit is typically around 20% of net adjusted self-employment income.
No Employee Contributions:
SEP IRAs are funded exclusively through employer contributions. Employees cannot make direct contributions to their SEP IRA.
Compensation Cap:
In 2024, the compensation used to determine contributions is capped at $330,000.
因为401K 除了employee可以存，然后公司还可以搞employer match，然后变成不赚钱，LOL
$225000（具体谷歌下），就不要做传统IRA了，因为不能减both SEP Ira and IRA,做Roth IRA。
Solo 401k 减税多过SEP IRA.
做到不赚钱，毕竟雇主部份只有百分比，最高到6万多，剩下的百分比还是得交税。
要是雇主能百分百贡献就好了啊。LoL