2026 Contribution Limits

February 3, 2026

The Internal Revenue Code provides for dollar limitations on benefits and contributions under qualified retirement plans. Limits are adjusted annually for cost-of-living increases. The IRS has announced the 2026 contribution limits for various retirement and health savings accounts, with most increasing from 2025 levels.

Reach out to your employer today to adjust your salary deferrals and take advantage of the limits for the 2026 calendar year.

?(These are limits for 2026, Traditional and ROTH IRA contributions for 2025 must be made by April 15, 2026.)

Plan Type	2026 Contribution Limit	2025 Contribution Limit	2024 Contribution Limit
Traditional and ROTH IRA
Contribution Limit	$7,500	$7,000	$7,000
Contribution Catch-Up (age 50 or over)	$1,100	$1,000	$1,000
SIMPLE Plans
Contribution Limit	$17,000	$16,500	$16,000
Contribution Catch-Up (age 50 or over)	$4,000	$3,850	$3,850
Increased Catch-Up (ages 60-63)	$5,250	$5,250	----
**401(k), 403(b), most 457 Plans
Contribution Limit	$24,500	$23,500	$23,000
Contribution Catch-Up (age 50 or over)	$8,000	$7,500	$7,500
Increased Catch-Up (ages 60-63)	$11,250	$11,250	----

** If you earned more than $150,000 in the prior year, certain catch-up contributions may be required to be made on a Roth basis. Plan rules vary, so high earners should contact their plan sponsor or HR department to confirm eligibility and contribution setup.

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2026 Contribution Limits