2026 IRA and 401(k) Limits

The amount individuals can contribute to their 401(k), 403(b) and 457 plans in 2026 has increased to $24,500, up from $23,500 for 2025.

The 2026 catch-up contribution limit that generally applies for employees aged 50 and over who participate in most 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift Savings Plan is increased to $8,000, up from $7,500 for 2025. The 2026 higher super catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in these plans remains $11,250.

The 2026 limit on annual contributions to an IRA is increased to $7,500 from $7,000. The IRA catch‑up contribution limit for individuals aged 50 and over is increased to $1,100, up from $1,000 for 2025.