Reference
2026 Retirement Contribution Limits at a Glance
Each year the IRS adjusts retirement account limits for inflation. These are the 2026 figures announced in November 2025. Check IRS.gov for any later changes and for rules that apply to your plan.
US five dollar bills: Hamster28, CC BY-SA 4.0
| Item | 2026 | 2025 |
|---|---|---|
| 401(k), 403(b), most 457 plans: employee limit | 24,500 dollars | 23,500 dollars |
| Catch-up, age 50 and over (most plans) | 8,000 dollars | 7,500 dollars |
| Higher catch-up, ages 60 to 63 (most plans) | 11,250 dollars | 11,250 dollars |
| IRA contribution limit | 7,500 dollars | 7,000 dollars |
| IRA catch-up, age 50 and over | 1,100 dollars | 1,000 dollars |
| Roth IRA phase-out, single and head of household | 153,000 to 168,000 dollars | 150,000 to 165,000 dollars |
| Roth IRA phase-out, married filing jointly | 242,000 to 252,000 dollars | 236,000 to 246,000 dollars |
Educational only, not tax advice. Plan rules vary; confirm with your plan administrator or a tax professional.
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Sources
Facts on this page were checked against these sources (updated Oct 12, 2026). Spot an error? Email hello@fireempireshop.com.