2026 Retirement Plan Contribution Limits

Quick-Take: The IRS just published the inflation adjusted retirement plan contribution limits for 2026.

Notice 2025-67:  The IRS announced the dollar limits for retirement plan contributions for 2026.

Traditional and Roth IRAs: The annual limit on contributions to traditional or Roth IRAs for 2026 will be $7,500. This is an increase from $7,000 for 2025.

401(k), 403(b) and 457s: The annual limit on contributions to 401(k) accounts, 403(b) accounts, and most 457 accounts, and the federal government’s Thrift Savings Plan, will be $24,500, up from $23,500 for 2025.

Catch-up Contributions: IRA owners age 50 and older can make a catch-up IRA contribution of $1,100. This is an increase from the catch-up contribution limit of $1,000 in 2025. For participants in 401(k), 403(b), and 457 plans, if they are age 50 or older, their catch-up contribution will be $8,000, which is an increase from the 2025 catch-up contribution limit of $7,500.

Super Catch-up Contribution Limit: The SECURE 2.0 Act created a ‘super’ catch-up contribution option for plan participants who are ages 60, 61,62 and 63 of $11,250. This amount will not be adjusted for inflation for 2026, so it remains the same.

If you would like to read additional missives, click here.