401 (k), IRA contributions limits rising in 2026
The IRS is raising the contribution limits for 401 ( k ) plans and IRAs in 2026 . The updates come a month after the IRS released its 2026 tax brackets and standard deductions.
The IRS announced adjustments to marginal tax rates, retirement plan contribution limits , and other provisions that will be helpful for financial planning in the new year.
2026 Tax Brackets & Retirement Contribution Limits
Workplace Retirement Accounts Those with 401 ( k ), 403 (b), 457 plans, and similar accounts will see a $1,000 increase for 2026 , the limit rising to $24,500. Those aged 50 and older will now have the ability to contribute an extra $8,000, bringing their total limit to $32,500.
All 2026 IRS financial numbers in one place: 401 (k), IRA , tax brackets , HSA limits , Medicare premiums, Social Security wage base, and estate tax .
2026 IRS Limits
2026 IRS limits are here. Review new 401 (k), IRA , HSA, FSA, & tax bracket changes & see how they affect your financial planning for the year.
The notice also provides limitations for 2026 for Roth IRAs , the Saver's Credit and SIMPLE retirement accounts. The income phase-out range for taxpayers making contributions to a Roth IRA is increased to between $153,000 and $168,000 for singles and heads of household, up from between $150,000 and $165,000 for 2025.
2026 IRA and 401 (k) Contribution Limits Are Set
Here's how the new IRS inflation adjustments are increasing the contribution limits for your 401 (k) and IRA in the new year.
Learn the 2026 401 (k) and IRA contribution limits , Roth income phase-outs, and SECURE 2.0 catch-up rules—and how they may impact retirement planning.
New for 2026 Contribution Limits for 401 (k), IRA, HSA, and More
What are the new 401 (k) contribution limits for 2026 ? Learn the details of 401 (k), IRA , HSA, and other tax changes coming your way this year!
The limitation under section 414(v)(2)(E)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that applies for individuals who attain age 60, 61, 62, or 63 in 2026 remains $11,250.