A better-fit plan begins with better questions.
Open the two-page fictional sample report (PDF)
No plan, a SIMPLE IRA and a 401(k) each deserve a different conversation. A SIMPLE IRA is not automatically inferior to a 401(k); costs, employee needs and administration matter.
Use sample values or your own numbers. No client accounts or case saving. Answers stay in this page's memory and clear on reload. Printed or downloaded reports contain the entered illustration.
2026 educational reference points (not used in the math)
IRS base employee deferral limits for 2026 are $24,500 for a 401(k) and $17,000 for a SIMPLE IRA. Certain SIMPLE plans have an $18,100 limit. Catch-up rules, enhanced SIMPLE conditions, compensation, other plans and transition-year rules can change what is permitted. These are not owner total-funding limits.
Do not infer an allowable amount from this panel. The comparison below uses supplied figures, not statutory-limit calculations.
IRS 2026 retirement-plan limits · IRS SIMPLE IRA plan guidance
Where is the business today?
Is a deeper review worth preparing for?
Yes to all five means ready to explore—not qualified for any particular plan. No or Not sure identifies a gap to resolve, not a disqualification.
Separate owner funding from company cost.
Compare the same workforce and full-year period using known, professional-supplied estimates. These editable sample figures are fictional, not approved contribution amounts. If a fee or contribution is unknown, return to the gap checklist; do not enter zero.