This is because depending on your actual income the sep ira contribution limits may be greater than the individual retirement account ira ira limit of 6 000 in 2021 7 000 for people aged 50 or older. 19 500 26 000 for those who will be 50 or over at any point during the year including a 6 500 catch up contribution. Sep plans that are not sarseps only allow employer contributions.
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