2026 Retirement Plan Contribution Limits

The IRS has announced the new retirement plan limits for 2026, and the numbers are inching up again. 

For anyone saving in a 401(k), 403(b), or 457 plan, you can now put in $24,500 next year. 

If you’re 50 or older, your catch-up rises to $8,000. 

And for those ages 60–63, the special “super catch-up” stays at $11,250.

IRAs are getting a bump too. The new limit is $7,500, and the catch-up for age 50+ moves to $1,100.

A quick reminder: higher-income earners may be required to make their 401(k) catch-up contributions as Roth starting in 2026, depending on their wages and how the employer plan is set up.

The bottom line is simple — the IRS is giving everyone a little more room to save.