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New Member
posted Mar 17, 2020 8:28:36 PM

The calculated maximum SEP IRA contribution in turbotax is much larger than the answer from the worksheet in IRS Form 560. Why?

0 3 1065
3 Replies
Level 15
Mar 18, 2020 4:18:49 AM

What is your Net Schedule C income after expenses?

Figure about 18.6% for your SEP contribution.

If you're not getting that amount, you made a mistake on the worksheet.

New Member
Apr 3, 2020 3:58:49 PM

I have this same issue and have in the past, but didn't pay much attention to it..   Really trying to determine if I am leaving money on the table so to speak.  

 

When I do publication 560...   

 

Net Business Profit =  2,032     

SE Tax deduction = $144   

Adjusted Net Profit = $1,888

 

Using 20% for max allowed from employer for contribution I get $378 that I Can contribute to SOLO 401K from business profits. 

 

Turbo Tax is telling me that number is $1,888.      Am I missing something with taking the 20% ??   I thought that was all that was allowed. 

 

My understanding is that in my case with the numbers I have the SOLO 401K and SEP IRA from business profits are the same amount.   Correct??

 

Any advice would be appreciated.  

 

Thanks! 

 

Expert Alumni
Apr 6, 2020 2:44:24 PM

For a solo 401-K plan, you are allowed an elective deferral in addition to the non-elective contribution (25% of compensation.)

The elective deferral can be up to 100% or your compensation, up to certain limits based on your age.