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Retirement

What is a SIMPLE IRA?

Quick Answer

A SIMPLE IRA is a low-administration retirement plan for businesses with up to 100 employees. In 2025 employees can defer $16,500 ($20,000 at 50+) and the employer must either match up to 3% of pay or contribute 2% of pay non-electively.

SIMPLE IRA contribution limits and employer match structure for 2025.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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