Retirement options for gig workers in Kansas (no state plan)

Your W-2 plan covers your paycheck. Gigaverse covers your hustle.

Status as of Oct 28, 2026.

No state-run auto-IRA

Kansas does not operate a state auto-IRA. Nothing in state law withholds retirement savings from a 1099 payment. A W-2 employer plan, or a city payroll program where one exists, covers that job's wages. Gigaverse is the layer for the 1099 income beside it, not a replacement for the plan the paycheck already has.

The 50-state status table is the state auto-IRA hub and the mandate tracker.

What the IRS counted in Kansas, tax year 2023

IRS Statistics of Income Historic Table 2 counts returns, not people. In tax year 2023, Kansas had 216,780 returns with Schedule C income, 15.9% of 1,366,100 returns in the state. 177,510 returns paid self-employment tax. 7,790 of those claimed the self-employed retirement-plan deduction, a rate of 4.4%. That deduction is the SEP, SIMPLE, or qualified-plan line. It does not measure Roth IRA contributions.

IRS SOI Historic Table 2

Kansas self-employment tax

Federal self-employment tax is 15.3% of 92.35% of net profit: 12.4% Social Security, up to the $184,500 wage base in 2026, and 2.9% Medicare with no cap. Half of that tax is deductible. Kansas income tax is separate and is in the next section. A state auto-IRA, where one exists, does not replace this federal tax.

Self-employment tax calculator · 1099 estimated tax calculator

Kansas income tax on 1099 profit

The Kansas Department of Revenue's 2026 estimated-tax form taxes single filers at 5.2% on taxable income up to $23,000, then $1,196 plus 5.58% of the excess. Joint brackets use $46,000. Notice 25-06 says the revenue trigger did not cut rates for 2026. Federal tax is separate.

Kansas Department of Revenue, 2026 K-40ES

Federal quarterly estimates are separate from the state. The 1099 quarterly tax calculator uses the federal dates and self-employment tax. State tax guides for Kansas cities are linked below and from Kansas local taxes.

A portable-benefit law, not an auto-IRA

Kansas has no operating auto-IRA. The Department of Revenue's 2026 legislative-changes summary says House Bill 2602 lets a hiring party contribute to an independent contractor's portable benefit account, or withhold with the contractor's consent. The account can cover retirement, among other benefits. Contributions cannot be used to decide employment classification. A Kansas income-tax subtraction for those contributions starts with tax year 2027.

That law does not enroll every 1099 worker. A platform that does not contribute leaves the worker with an IRA, a SEP, or a Solo 401(k).

What a 1099 worker can use in 2026

These limits are federal. They do not change because Kansas has no state plan. Catch-up contributions are not part of the $72,000 annual-additions cap.

Account	2026 limit	Who it fits
IRA (Roth or traditional)	$7,500, or $8,600 at age 50 or older. The limit is shared across every IRA.	Earned income, including 1099 profit, within the Roth income limits if the account is a Roth.
SEP IRA	Generally up to 25% of compensation, and not more than $72,000 of annual additions.	Employer contribution from the business. A sole proprietor's percentage is computed after self-employment tax adjustments.
Solo 401(k)	Elective deferral $24,500. Catch-up $8,000 at 50 or older, or $11,250 at ages 60 through 63. Employer contributions share the $72,000 cap with deferrals, before catch-up.	A self-employed worker with no full-time W-2 employees in the plan, who wants both a deferral and an employer contribution.

Sources: IRS IR-2025-111, Notice 2025-67, IRS 401(k) contribution limits.

Read the Solo 401(k) for self-employed workers page, then run a number in the SEP-IRA contribution calculator. Gigaverse account opening for the Solo 401(k), the SEP and the PRActicle Roth IRA is waitlist only.

Where Gigaverse fits

Gigaverse is not a state program and is not a registered investment adviser. It sits next to a W-2 plan or a state program when one exists. Plans are Free, Pro ($4.99/mo) and Wealth Builder ($9.99/mo). The Solo 401(k), SEP and PRActicle Roth IRA are waitlist only. Gigaverse's published figure is "$5K+" labeled "Avg. tax savings per year, per worker."

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City guides and job guides

These are existing local tax pages, not copies of this retirement guide.

Wichita

Uber drivers · Lyft drivers · DoorDash drivers · Instacart shoppers · Amazon Flex drivers

Questions

Does Kansas run an auto-IRA for gig workers?

No. Kansas has no state-run auto-IRA in operation. A W-2 retirement plan, where one exists, covers that paycheck. It does not cover 1099 income. Status as of Oct 28, 2026.

Does Kansas tax 1099 income?

How much can a 1099 worker contribute in 2026?

For 2026 the IRA limit is $7,500, or $8,600 at age 50 or older. A Solo 401(k) elective deferral is $24,500, plus a catch-up of $8,000 at 50 or older, or $11,250 instead at ages 60 through 63. Employer contributions plus deferrals are limited to $72,000 of annual additions, not counting catch-up. A SEP contribution is generally up to 25% of compensation, inside that same annual-additions cap. These figures are from IRS news release IR-2025-111, Notice 2025-67, and the IRS 401(k) contribution-limits page.

What is the Kansas single-filer income-tax rate for 2026?

5.2% up to $23,000 of taxable income, then $1,196 plus 5.58% of the excess, on the Department of Revenue's 2026 K-40ES. Notice 25-06 says rates were not cut for 2026.

Is Kansas House Bill 2602 an auto-IRA?

No. The Department of Revenue describes it as a voluntary portable-benefit account for independent contractors, including retirement. It is not a state payroll mandate. The tax subtraction starts in tax year 2027.

Sources

Status as of Oct 28, 2026. Verified 2026-10-28.

Educational information only, not tax or investment advice. Gigaverse AI, Inc. is not a bank and is not a registered investment adviser. We are not affiliated with Kansas, DoorDash, or any state or city retirement program. Contribution limits are set by the IRS and can change.