A lot of folks are wondering exactly how much they can contribute to SEP IRA so I decided that the following information could be useful to you. The SEP rules permit you to contribute a limited amount of money each year to each employee's SEP-IRA. If you are self-employed, you can contribute to your own SEP-IRA. Contributions must be in the form of money (cash, check, or money order). You cannot contribute property. However, participants may be able to transfer or roll over certain property from one retirement plan to another. You do not have to make contributions every year. You must calculate the contribution percentage to retirement accounts .