2026 Retirement Contribution Limits: 401(k), IRA, Roth and SIMPLE
The 2026 401(k) limit is $24,500. The IRA limit is $7,500.
IRS announcement IR-2025-111, November 13, 2025 · Last updated October 5, 2026 · Download CSV
Key numbers. 2026 401(k) limit $24,500 (up $1,000). IRA limit $7,500 (up $500). Age 50+ can put up to $32,500 in a 401(k).
| Item | 2026 | 2025 |
|---|---|---|
| 401(k), 403(b), most 457, TSP employee contribution | $24,500 | $23,500 |
| Catch-up, age 50+ (those plans) | $8,000 | $7,500 |
| Total for age 50+ in those plans (limit + catch-up) | $32,500 | $31,000 |
| IRA contribution | $7,500 | $7,000 |
| IRA catch-up, age 50+ | $1,100 | $1,000 |
| SIMPLE IRA contribution | $17,000 | $16,500 |
| SIMPLE catch-up, age 50+ | $4,000 | $3,500 |
| Roth IRA phase-out, single / head of household | $153,000 to $168,000 | $150,000 to $165,000 |
| Roth IRA phase-out, married filing jointly | $242,000 to $252,000 | $236,000 to $246,000 |
| Traditional IRA deduction phase-out, single covered by workplace plan | $81,000 to $91,000 | $79,000 to $89,000 |
| Traditional IRA deduction phase-out, married filing jointly (contributor covered) | $129,000 to $149,000 | $126,000 to $146,000 |
| Saver's Credit income limit, married filing jointly | $80,500 | $79,000 |
| Saver's Credit income limit, head of household | $60,375 | $59,250 |
| Saver's Credit income limit, single | $40,250 | $39,500 |
How to read this
Limits come from the IRS cost-of-living announcement for 2026 and Notice 2025-67. Phase-out ranges depend on filing status and whether you or your spouse have a workplace plan. Some older limits (for example for ages 60 to 63) have separate rules in the notice. This is general information, not tax advice.
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Financialist Editorial Team. "2026 Retirement Contribution Limits: 401(k), IRA, Roth and SIMPLE." Financialist, October 5, 2026. https://financialist.com/research/2026-retirement-contribution-limits
Free to quote with a link back.
Financialist Editorial Team. "2026 Retirement Contribution Limits: 401(k), IRA, Roth and SIMPLE." Financialist, October 5, 2026. https://financialist.com/research/2026-retirement-contribution-limits
Free to quote with a link back.