2026 Retirement Contribution Limits

The IRS adjusts most limits each fall for the following year. These are the official 2026 amounts.

401(k), 403(b), governmental 457, TSP	$24,500
Catch-up, age 50+	$8,000
Catch-up, ages 60–63	$11,250
Employee + employer total	$72,000
IRA (traditional + Roth combined)	$7,500
IRA catch-up, age 50+	$1,100
SIMPLE IRA / SIMPLE 401(k)	$17,000
SIMPLE catch-up, age 50+ (ages 60–63)	$4,000 ($5,250)
HSA, self-only / family	$4,400 / $8,750
HSA catch-up, age 55+	$1,000
Roth IRA phase-out, single	$153,000 – $168,000
Roth IRA phase-out, married filing jointly	$242,000 – $252,000
Saver's Credit income limit (single / joint)	$40,250 / $80,500

Good to know

IRA contributions for a tax year can be made until the tax-filing deadline the following April.
401(k) contributions must come out of paychecks during the calendar year.
If you change jobs mid-year, the employee limit applies across all of your 401(k) plans combined.
Starting in 2026, workplace catch-ups must be Roth if your prior-year wages from that employer were over $150,000.