The IRS has announced the new retirement contribution and catch-up limits for 2026. This is great news, as most limits have increased, allowing you to save more for retirement!
2026 Contribution Limits
IRA/Roth IRA Contribution Limit: $7,500 (2025 limit was $7,000)
IRA/Roth IRA Catch-Up Contribution (age 50 or over): $1,100 (2025 catch-up was $1,000)
401(k), 403(b), 457 Contribution Limit: $24,500 (2025 limit was $23,500)
401(k), 403(b), 457 Catch-Up Contribution (age 50 or over): $8,000 (2025 catch-up was $7,500)
401(k), 403(b), 457 Super Catch-Up (ages 60-63): $11,250 (no change)
SIMPLE Contribution Limit: $17,000 (2025 limit was $16,500)
SIMPLE Catch-Up Contribution (age 50 or over): $4,000 (2025 catch-up was $3,500)
SIMPLE Increased Catch-Up Contribution (ages 60-63): $5,250 (no change)
Health Savings Account:
Coverage = Self-Only: $4,400 (2025 limit was $4,300)
Coverage = Family: $8,750 (2025 limit was $8,550)
HSA Catch-Up Contribution (age 55 or over): $1,000 (no change)
Planning for 2026
It’s important to keep in mind that although the income limits for 2026 are rising, there are still restrictions on who can contribute to a Roth IRA. Reviewing your overall financial situation and planning ahead is key.
If you currently max out your Roth IRA and want to maintain that, you’ll need to adjust your monthly or weekly contribution amounts. For existing clients, I’m more than happy to assist with these updates. And if you’re not yet a client, I’d welcome the opportunity to talk through your financial goals and help you begin (or continue) saving effectively for retirement. Please don’t hesitate to reach out with any questions.
This post is meant for educational purposes only and is not intended to provide tax, legal, or specific financial advice. Please consult the appropriate professional to discuss your specific situation.