Here are the official 2026 contribution limits for the main tax-advantaged accounts, straight from the IRS. For 2026 the 401(k) employee limit rises to $24,500 and the IRA limit to $7,500. The tables below cover the deferral limits, the catch-up amounts for older savers, the HSA limits, and the income ranges where Roth IRA eligibility phases out.
2026 retirement contribution limits
| Account / limit | 2026 amount |
|---|---|
| 401(k), 403(b), 457, TSP employee deferral | $24,500 |
| Catch-up contribution (age 50+) | $8,000 |
| Higher catch-up (ages 60 to 63) | $11,250 |
| IRA (traditional or Roth) | $7,500 |
| IRA catch-up (age 50+) | $1,100 |
The higher catch-up for those aged 60 to 63 is a newer feature: instead of the standard $8,000 catch-up, savers in that age band can contribute up to $11,250 extra to a workplace plan. Combined with the base deferral, a saver 60 to 63 can put up to $35,750 into a 401(k) in 2026.
2026 HSA contribution limits
Health Savings Accounts, available with a qualifying high-deductible health plan, offer a rare triple tax advantage. The 2026 limits:
| HSA limit | 2026 amount |
|---|---|
| Self-only coverage | $4,400 |
| Family coverage | $8,750 |
| Catch-up (age 55+) | $1,000 |
Before maxing any limit, contribute at least enough to your 401(k) to get the full employer match. It is an instant, guaranteed return no contribution limit should stop you from claiming.
2026 Roth IRA income phase-outs
You can contribute the full IRA limit to a Roth only if your income falls below a threshold; above it, the amount you can contribute phases out to zero. The 2026 ranges:
| Filing status | Roth IRA phase-out range (MAGI) |
|---|---|
| Single or head of household | $153,000 to $168,000 |
| Married filing jointly | $242,000 to $252,000 |
Earn above the top of your range and you cannot contribute directly to a Roth IRA, though the backdoor Roth route (contributing to a traditional IRA and converting) remains available.
See what maxing your contributions could grow to over time above.
Sources and updates
Figures come from the IRS 2026 limit announcement. This page is updated each year when the new limits are released. For how to choose and use these accounts, see our guide to IRAs and 401(k)s.
Frequently asked questions
What is the 2026 401(k) contribution limit?
$24,500 for employee deferrals into a 401(k), 403(b), most 457 plans, and the TSP. Those 50 and older can add an $8,000 catch-up, and savers aged 60 to 63 can add up to $11,250.
What is the 2026 IRA contribution limit?
$7,500 for traditional or Roth IRAs combined, plus a $1,100 catch-up for those 50 and older, for a total of $8,600.
What are the 2026 HSA contribution limits?
$4,400 for self-only coverage and $8,750 for family coverage, with an extra $1,000 catch-up for those 55 and older, if you have a qualifying high-deductible health plan.
Who can contribute to a Roth IRA in 2026?
Single filers with modified adjusted gross income below $153,000 can contribute the full amount, phasing out to zero at $168,000. For married couples filing jointly, the range is $242,000 to $252,000.
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