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Finance & Wealth
Mar 15, 202619 views1 min read

Retirement Account Contribution Limits Increase for 2026

The annual contribution limit for 401(k), 403(b), and similar retirement plans increases to $24,500 in 2026. IRA contribution limits rise to $7,500. New provisions for catch-up contributions also take effect.

Retirement Account Contribution Limits Increase for 2026
Source:Fisher Investments

Retirement account contribution limits increase for 2026. The 401(k) limit rises to $24,500 from $23,500, and IRA limits increase to $7,500 from $7,000. Catch-up contributions for those 50 and older increase to $8,000 for 401(k) plans. Those aged 60-63 can contribute an additional $3,250. A new provision mandates that high earners with FICA wages exceeding $150,000 must make catch-up contributions as Roth contributions, which are taxed upfront but offer tax-free growth and withdrawals.

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