Updated September 29, 2026 · Sources: IRS COLA table, Notice 2025-67, Rev. Proc. 2026-24 (HSA)
$24,500
$7,500
$4,500 / $9,000
| 2026 | 2025 | |
|---|---|---|
| Employee contribution | $24,500 | $23,500 |
| Catch-up, age 50+ | $8,000 | $7,500 |
| Catch-up, ages 60–63 | $11,250 | $11,250 |
| Maximum employee total, age 50–59 or 64+ | $32,500 | $31,000 |
| Maximum employee total, ages 60–63 | $35,750 | $34,750 |
| Total employee + employer (excluding catch-up) | $72,000 | $70,000 |
| SIMPLE IRA employee contribution | $17,000 | $16,500 |
The ages 60–63 catch-up, added by the SECURE 2.0 Act, replaces the regular age-50 catch-up for anyone who turns 60, 61, 62 or 63 during the year. Starting in 2026, if your wages from the employer in the prior year exceeded a set threshold, your catch-up contributions must be made as Roth (after-tax) contributions.
What will your 401(k) be worth?
Project your balance at retirement with your salary, employer match and these limits built in.
| 2026 | 2025 | |
|---|---|---|
| Traditional and Roth IRA (combined) | $7,500 | $7,000 |
| Catch-up, age 50+ | $1,100 | $1,000 |
| Filing status | 2026 | 2025 |
|---|---|---|
| Single or head of household | $153,000 to $168,000 | $150,000 to $165,000 |
| Married filing jointly | $242,000 to $252,000 | $236,000 to $246,000 |
If neither you nor your spouse has a workplace retirement plan, your traditional IRA contribution is fully deductible at any income. These ranges apply when you do.
| Situation | 2026 | 2025 |
|---|---|---|
| Single, covered by a workplace plan | $81,000 to $91,000 | $79,000 to $89,000 |
| Married filing jointly, you're covered | $129,000 to $149,000 | $126,000 to $146,000 |
| Married filing jointly, only your spouse is covered | $242,000 to $252,000 | $236,000 to $246,000 |
| Coverage | 2027 | 2026 | 2025 |
|---|---|---|---|
| Self-only | $4,500 | $4,400 | $4,300 |
| Family | $9,000 | $8,750 | $8,550 |
| Catch-up, age 55+ | $1,000 | $1,000 | $1,000 |
HSA contributions are tax-deductible, grow tax-free, and come out tax-free for qualified medical expenses, which makes an HSA one of the most tax-efficient accounts available if you have an eligible high-deductible health plan.
You can contribute up to $24,500 to a 401(k), 403(b), governmental 457 plan or the Thrift Savings Plan in 2026, up from $23,500 in 2025. If you're 50 or older you can add a $8,000 catch-up contribution, or $11,250 if you turn 60, 61, 62 or 63 during the year.
$7,500 across all your traditional and Roth IRAs combined, plus a $1,100 catch-up if you're 50 or older. You can't contribute more than your earned income for the year.
The amount you can contribute to a Roth IRA phases out with modified adjusted gross income between $153,000 to $168,000 for single filers and $242,000 to $252,000 for married couples filing jointly. Above the top of the range you can't contribute directly.
No. The $24,500 limit applies only to your own contributions. Employer matching and profit-sharing count toward a separate, higher total limit of $72,000 (not counting catch-up contributions).
$4,500 for self-only coverage and $9,000 for family coverage, plus a $1,000 catch-up if you're 55 or older. You must be covered by an HSA-eligible high-deductible health plan.
The IRS usually announces next year's retirement plan limits in late October or November. We update this page when they are published.
