2026 retirement contribution limits
How much you can put into a 401(k), an IRA and an HSA in 2026, with the catch-ups by age. Every figure is the IRS’s own and links to where it was published.
| Limit | 2026 | Source |
|---|---|---|
| Employee contributions, traditional and Roth together | $24,500 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up, age 50 and over | $8,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up instead, in the years you turn 60 to 63 | $11,250 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Employee plus employer, catch-ups not included | $72,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-ups must be Roth above these prior-year FICA wages | $150,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Limit | 2026 | Source |
|---|---|---|
| Contributions, traditional and Roth together | $7,500 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up, age 50 and over | $1,100 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Limit | 2026 | Source |
|---|---|---|
| Self-only coverage | $4,400 | irs.gov/pub/irs-drop/rp-25-19.pdf |
| Family coverage | $8,750 | irs.gov/pub/irs-drop/rp-25-19.pdf |
| Catch-up, age 55 and over | $1,000 | irs.gov/publications/p969 |
| Limit | 2026 | Source |
|---|---|---|
| Wages subject to the 6.2% Social Security tax | $184,500 | ssa.gov/oact/cola/cbb.html |
Questions
What is the 401(k) contribution limit for 2026?
$24,500 of your own contributions, traditional and Roth together. The same limit covers 403(b) plans, governmental 457(b) plans and the Thrift Savings Plan.
What is the 401(k) catch-up for 2026?
$8,000 from the year you turn 50, or $11,250 in the years you turn 60, 61, 62 or 63. With the catch-up, the most you can contribute yourself is $32,500, or $35,750 at 60 to 63.
What is the IRA contribution limit for 2026?
$7,500 across all your traditional and Roth IRAs, plus $1,100 from the year you turn 50. You can’t contribute more than you earned, and Roth IRA contributions phase out at higher incomes.
What are the HSA contribution limits for 2026?
$4,400 with self-only coverage and $8,750 with family coverage, plus $1,000 from the year you turn 55, as long as you aren’t enrolled in Medicare.
Work out your own
Other years: 2027
RetirementPace is an educational tool, not financial, tax or legal advice. RetirementPace is not a registered investment adviser.