Real ChatGPT answer · index seedoraFbhHKHvQcompleteFinance and banking · retirement accountsinformational

How are SEP IRA contribution limits calculated when my freelance income fluctuates wildly from month to month as a recent college graduate?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How are SEP IRA contribution limits calculated when my freelance income fluctuates wildly from month to month as a recent college graduate?
2 real searches · 1 real-search pass
IRS 2026 SEP IRA contribution limit self employed 2026 72000 net earnings 20 percentGoogle ↗
OBSERVEDYes / no
IRS Publication 560 2026 SEP self-employed contribution worksheet 20% net earningsGoogle ↗
OBSERVEDOther / navigational

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigational50%ComparisonConsequenceReasonDefinitionInstructionYes / no50%

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS 2026 SEP IRA contribution limit self employed 2026 72000 net earnings 20 percent Google ↗
IRS Publication 560 2026 SEP self-employed contribution worksheet 20% net earnings Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS 2026 SEP IRA contribution limit self employed 2026 72000 net earnings 20 percent
OBSERVED
Google ↗
AI Mode ↗
—Yes / no——1x
of 1
IRS Publication 560 2026 SEP self-employed contribution worksheet 20% net earnings
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1