{"id":20678,"date":"2017-06-14T12:00:00","date_gmt":"2017-06-14T12:00:00","guid":{"rendered":"https:\/\/resource-center.hrblock.com\/"},"modified":"2025-06-26T10:24:21","modified_gmt":"2025-06-26T15:24:21","slug":"self-employment-deductions","status":"publish","type":"post","link":"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/self-employment-deductions\/","title":{"rendered":"Self-employment tax deductions to help your bottom line"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.hrblock.com\/tax-center\/wp-content\/uploads\/2017\/06\/self-employed-deductions.jpg\" alt=\"\" class=\"wp-image-68137\" srcset=\"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/wp-content\/uploads\/2017\/06\/self-employed-deductions.jpg 240w, https:\/\/hrbcomlnp.hrblock.com\/tax-center\/wp-content\/uploads\/2017\/06\/self-employed-deductions-50x33.jpg 50w\" sizes=\"auto, (max-width: 240px) 100vw, 240px\" \/><\/figure><\/div>\n\n\n<p>Being self-employed comes with a few perks, including setting your own schedule and chasing your dreams. It also comes with a few specialized self-employment tax deductions that can help you look out for your bottom line.<\/p>\n\n\n\n<p>In this post, we cover three key self-employment tax deductions that any solopreneur or small business owner should know about. Here are three valuable self-employment tax deductions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-self-employment-tax-deduction\">1. Self-employment tax deduction<\/h2>\n\n\n\n<p>You can deduct part of the self-employment tax you paid as an adjustment to income. So, you can claim the deduction even if you don&#8217;t itemize deductions. Claim the deduction on <a href=\"https:\/\/www.hrblock.com\/tax-center\/irs\/forms\/form-1040\/\">Form 1040<\/a> as an adjustment to your gross income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-self-employed-health-insurance-deduction\">2. Self-employed health insurance deduction<\/h2>\n\n\n\n<p>The Small Business Jobs Act of 2010 created a new deduction. This applies to health insurance premiums paid by self-employed individuals. If you&#8217;re self-employed, you can deduct 100% of health insurance costs as an adjustment to your income for these people:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yourself<\/li>\n\n\n\n<li>Your spouse<\/li>\n\n\n\n<li>Your dependents<\/li>\n\n\n\n<li>Your children under age 27 at the end of the tax year<\/li>\n<\/ul>\n\n\n\n<p>Claim the health insurance deduction as an above-the-line deduction on Form 1040, Line 29.<\/p>\n\n\n\n<p>You can&#8217;t claim a deduction for any month that you qualify to participate in a health plan offered by either:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your employer<\/li>\n\n\n\n<li>Your spouse&#8217;s employer<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-self-employment-retirement-deductions\">3. Self-employment retirement deductions<\/h2>\n\n\n\n<p>You can deduct your contributions to a retirement plan as an adjustment to income. Plans include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SEPs<\/li>\n\n\n\n<li>SIMPLEs<\/li>\n\n\n\n<li>Qualified plan &#8212; defined-contribution plan or defined-benefit plan<\/li>\n<\/ul>\n\n\n\n<p><b>SEPs<br><\/b><\/p>\n\n\n\n<p>SEPs are one option for funding future retirement benefits for you and your employees. You can set up an IRA designated as a SEP-IRA at a financial institution of your choice. <\/p>\n\n\n\n<p>You&#8217;ll own and control the SEP-IRA. However, you&#8217;ll make the contributions directly to the financial institution. You can then deduct allowable contributions as an adjustment to your gross income. With a SEP, your contribution each year is optional. Matching contributions aren&#8217;t required or allowed.<\/p>\n\n\n\n<p><b>Setting up a SEP<br><\/b><\/p>\n\n\n\n<p>You must have a written agreement that conforms to IRS requirements. You can use the IRS model-SEP agreement, Form 5305-SEP. This agreement must include a written allocation formula for your contributions.<\/p>\n\n\n\n<p>If you use Form 5305-SEP, IRS approval isn&#8217;t required. However, keep the original agreement in your records. You can establish the plan at any time up to the due date of your return, including extensions.<\/p>\n\n\n\n<p>You must also notify each of your eligible employees that they can participate in the plan. You can use Form 5305-SEP to notify employees. You haven&#8217;t adopted the plan until each employee receives this notice.<\/p>\n\n\n\n<p>A SEP-IRA account must be set up by or for each eligible employee. The accounts can be set up through any of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks<\/li>\n\n\n\n<li>Insurance companies<\/li>\n\n\n\n<li>Other financial institutions that offer IRA accounts<\/li>\n<\/ul>\n\n\n\n<p><b>SEP contributions<\/b><\/p>\n\n\n\n<p>You can make contributions to a SEP at any time up to the due date of your return, including extensions. For most calendar year taxpayers, the SEP-IRA contribution deadline is typically April 15 of the current year for the previous year&#8217;s contributions. The amount of allowable contributions is based on the formula described in the plan. It can&#8217;t discriminate in favor of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Highly compensated employees<\/li>\n\n\n\n<li>The self-employed owner<\/li>\n<\/ul>\n\n\n\n<p>The contribution for 2025 is limited to the lesser of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$70,000<\/li>\n\n\n\n<li>25% of each employee&#8217;s compensation<\/li>\n<\/ul>\n\n\n\n<p>This also applies to your own contribution. Compensation more than $350,000 for 2025 can&#8217;t be used for contribution purposes. This compensation is your net self-employment income minus both of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The deductible part of the <a href=\"https:\/\/www.hrblock.com\/tax-center\/small-business\/self-employed\/self-employment-tax\/\">self-employment tax<\/a> you paid<\/li>\n\n\n\n<li>Deduction for contributions to your own SEP-IRA<\/li>\n<\/ul>\n\n\n\n<p>You must adjust your self-employment income by the contribution you&#8217;re making for yourself. So, this part of the computation uses a reduced contribution rate. You can find the rate table for self-employed individuals in Publication 560. If your plan uses a 25% contribution rate, the rate for you as a self-employed person will be 20%.<\/p>\n\n\n\n<p><b>SEP deductions<br><\/b><\/p>\n\n\n\n<p>You can deduct contributions you make to a SEP-IRA for your employees up to the deduction limit. You&#8217;ll make the deduction on Schedule C. As a self-employed taxpayer, you deduct the amounts you contribute to your own SEP-IRA, up to the maximum allowed.<\/p>\n\n\n\n<p><b>SIMPLE plans<br><\/b><\/p>\n\n\n\n<p>A SIMPLE plan is a type of retirement plan. It&#8217;s available to employers or self-employed taxpayers who don&#8217;t have a qualified retirement plan. You can set up a SIMPLE plan if you have 100 or fewer employees. They must have received $5,000 or more in compensation for the prior year.<\/p>\n\n\n\n<p>A SIMPLE can be set up as a SIMPLE IRA or a SIMPLE 401(k). If the plan is set up as an IRA, a separate SIMPLE IRA account is set up at a financial institution for each eligible employee. A SIMPLE set up as a 401(k) is considered a qualified plan. However, it&#8217;s not subject to the nondiscrimination and top-heavy rules that regular 401(k) plans have.<\/p>\n\n\n\n<p>To learn more, see <a href=\"https:\/\/www.irs.gov\/publications\/p560\" target=\"_blank\" rel=\"noreferrer noopener\">Publication 560: Retirement Plans for Small Business<\/a>.<\/p>\n\n\n\n<p>Employers who sponsor a SIMPLE IRA plan must match or make a required contribution each year. This isn&#8217;t true for a SEP or qualified plan.<\/p>\n\n\n\n<p>Also, SIMPLE plans don&#8217;t limit deductible contributions to a percentage of compensation. SEP or qualified plans do limit them.<\/p>\n\n\n\n<p><b>Setting up a SIMPLE IRA plan<br><\/b><\/p>\n\n\n\n<p>You must have a written agreement that conforms to IRS requirements. You can use:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IRS-template forms &#8212; Form 5305-SIMPLE or Form 5304-SIMPLE<\/li>\n\n\n\n<li>Prototype plan available from a bank or an insurance company authorized to sponsor SIMPLE IRA plans<\/li>\n<\/ul>\n\n\n\n<p>Figure out which IRS form you&#8217;ll need to use:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you&#8217;ll require one institution to maintain all accounts, use Form 5305-SIMPLE.<\/li>\n\n\n\n<li>If you&#8217;ll allow each employee to choose the financial institution to maintain his or her account, use Form 5304-SIMPLE.<\/li>\n<\/ul>\n\n\n\n<p>Like with the SEP plan, you don&#8217;t need to file the form with the IRS. The form must be completed, signed, and maintained in your records.<\/p>\n\n\n\n<p>You must set up a SIMPLE plan by Oct. 1 of the year the plan becomes effective. If you form a new business after Oct. 1, you must set up a plan as soon as possible to become effective for that year.<\/p>\n\n\n\n<p><b>SIMPLE contributions<br><\/b><\/p>\n\n\n\n<p>The maximum employee contribution to a SIMPLE is $16,500 for 2025. You must make matching contributions by your return&#8217;s due date, including extensions. (For calendar-year taxpayers, the SIMPLE-IRA contribution deadline is typically April 15 of the current year for the previous year&#8217;s contributions.)<\/p>\n\n\n\n<p>You must match 1% to 3% of the employee&#8217;s compensation. The matching contribution percentage paid by you also applies to your own contribution.<\/p>\n\n\n\n<p><b>Qualified plans<br><\/b><\/p>\n\n\n\n<p>There are two types of qualified plans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Defined-contribution plans<\/li>\n\n\n\n<li>Defined-benefit plans<\/li>\n<\/ul>\n\n\n\n<p>Defined-contribution plans include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Profit-sharing plans &#8212; This plan doesn&#8217;t require you to make contributions each year or with fixed amounts. However, the plan must provide a definite formula for these:\n<ul class=\"wp-block-list\">\n<li>Allocating the contribution among the participants<\/li>\n\n\n\n<li>Distributing the accumulated funds to employees:\n<ul class=\"wp-block-list\">\n<li>After they reach a certain age<\/li>\n\n\n\n<li>After a fixed number of years<\/li>\n\n\n\n<li>Upon certain other occurrences<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Employers often establish profit-sharing plans to offer a 401(k) plan to employees.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Money purchase pension plans &#8212; This plan requires you to make contributions based on a fixed formula. You&#8217;re required to make contributions to a money-purchase pension each year. So, they aren&#8217;t used very frequently.<\/li>\n<\/ul>\n\n\n\n<p>A defined-benefit plan is any plan that isn&#8217;t a defined-contribution plan. An employer usually gets professional help for a defined-benefit plan since:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contributions must be set up to provide definite benefits to the plan participants.<\/li>\n\n\n\n<li>The plan usually requires actuarial assumptions and computations.<\/li>\n<\/ul>\n\n\n\n<p><b>Setting up a qualified plan<br><\/b><\/p>\n\n\n\n<p>After you adopt a written plan, you must notify your employees. You can use an IRS-approved template or prototype plan document to set up your plan. You can usually get such a document at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks<\/li>\n\n\n\n<li>Insurance companies<\/li>\n\n\n\n<li>Mutual-fund companies<\/li>\n<\/ul>\n\n\n\n<p>You can also design a plan to meet your individual needs. The plan must provide a formula for both of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allocating contributions among participants<\/li>\n\n\n\n<li>Making distributions upon retirement or certain other events<\/li>\n<\/ul>\n\n\n\n<p><b>Qualified plan contributions and deductions<br><\/b><\/p>\n\n\n\n<p>The amount you can contribute and deduct varies, depending upon the type of plan.<\/p>\n\n\n\n<p>Contributions to a defined-benefit plan usually can&#8217;t be more than the lesser of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$280,000<\/li>\n\n\n\n<li>100% of a participant&#8217;s average compensation for his or her highest three consecutive calendar years<\/li>\n<\/ul>\n\n\n\n<p>Contributions to a defined-contribution plan can&#8217;t be more than the lesser of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$70,000<\/li>\n\n\n\n<li>100% of the participant&#8217;s compensation<\/li>\n<\/ul>\n\n\n\n<p>The Qualified Plan contribution deadline is the last business day of the year, typically December 31.<\/p>\n\n\n\n<p><b>Form 5500<\/b><\/p>\n\n\n\n<p>A plan administrator or employer who maintains a qualified plan or a SIMPLE 401(k) must file one of these forms each year:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Form 5500<\/li>\n\n\n\n<li>Form 5500-SF<\/li>\n\n\n\n<li>Form 5500-EZ<\/li>\n<\/ul>\n\n\n\n<p>SEPs and SIMPLEs set up as IRAs are usually not required to file this form.<\/p>\n\n\n\n<p>To learn more about the requirements for each form, see Publication 560: Retirement Plans for Small Business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-help-with-small-business-tax-deductions\">Get help with small business tax deductions<\/h2>\n\n\n\n<p><strong>Have a side business?<\/strong>&nbsp; Take control of your taxes and get every credit and deduction you deserve. File with&nbsp;<a data-di-id=\"di-id-58fae4e0-c2cdb367\" href=\"https:\/\/www.hrblock.com\/online-tax-filing\/deluxe-online-tax-filing\/\">H&amp;R Block Online Deluxe<\/a>&nbsp;(if you have no expenses) or <a href=\"https:\/\/www.hrblock.com\/online-tax-filing\/self-employed-online-tax-filing\/\">H&amp;R Block Self-Employed Online<\/a>&nbsp;(if you have expenses).<\/p>\n\n\n\n<p><strong>Have questions about deductions and other small business tax issues?<\/strong> Rely on our team of small business certified tax pros to get your taxes right and keep your business on track. Find out how Block Advisors can help with your <a href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\">small business taxes<\/a>.<\/p>\n\n\n\n<p><em>&nbsp;<\/em><em>Our small business tax professional certification is awarded by Block Advisors, a part of H&amp;R Block, based upon successful completion of proprietary training. Our Block Advisors small business services are available at participating Block Advisors and H&amp;R Block offices nationwide.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being self-employed comes with a few perks, including setting your own schedule and chasing your dreams. It also comes with a few specialized self-employment tax deductions that can help you look out for your bottom line. In this post, we cover three key self-employment tax deductions that any solopreneur or small business owner should know [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62127,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[35,125,23346],"tags":[],"class_list":["post-20678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-adjustments-and-deductions","category-filing","category-work"],"acf":[],"yoast_head":"<title>Self-Employment Tax Deductions | H&amp;R Block<\/title>\n<meta name=\"description\" content=\"Are you eligible for self-employment tax deductions? 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