Freelancers can often put far more into retirement than employees can, and cut their income tax doing it. Most never open an account because the math is confusing. This workbook does the math.

What’s inside
• Contribution calculator: enter your net profit and age, and see your maximum SEP-IRA and Solo 401(k) contribution side by side, including 2026 catch-up amounts (with the higher catch-up for ages 60–63)
• Tax-savings estimate: approximately how much income tax each option saves you this year
• Savings plan: turns your target into a monthly, weekly or per-invoice amount to set aside, plus an illustrative growth table
• Account comparison: SEP-IRA vs Solo 401(k) vs IRA in plain English
• 2026 deadlines checklist

Example
At $80,000 profit and a 22% bracket, a Solo 401(k) allows about $39,000 in contributions, roughly $10,600 less in income tax.

Uses official 2026 IRS limits: $24,500 deferral, $72,000 total, $8,000 or $11,250 catch-up.

Who it’s for
Sole proprietors and single-member LLCs filing Schedule C.

What it isn’t
An educational planning tool, not tax, legal or investment advice. Estimates are simplified and federal only. Confirm with a tax professional or your plan provider.

Works in Excel and Google Sheets. One-time payment, instant download.

Save more: get all 5 tools ($63 value) for $29 in The Freelancer Money System bundle: https://whop.com/checkout/plan_VWc5yBRpzkaNp