401(k), 403(b), and most 457 plans
| Limit | 2026 amount |
|---|---|
| Employee elective deferral | $24,500 |
| Catch-up (age 50+) | $8,000 |
| Higher catch-up (ages 60–63) | $11,250 |
| Total additions, incl. employer (415(c)) | $72,000 |
IRA (traditional and Roth)
| Limit | 2026 amount |
|---|---|
| Annual contribution | $7,500 |
| Catch-up (age 50+) | $1,100 |
Health Savings Account (HSA)
| Coverage | 2026 amount |
|---|---|
| Self-only | $4,400 |
| Family | $8,750 |
| Catch-up (age 55+) | $1,000 |
The 401(k) limit applies to your own elective deferrals; employer matching is on top, up to the combined additions ceiling. IRA limits are shared across all your IRAs, and Roth eligibility phases out at higher incomes.
More references: 2026 Federal Income Tax Brackets · 2026 Social Security: Wage Base, Taxes & Full Retirement Age · 2026 Capital Gains Tax Rates
Figures reflect 2026 and are provided for general information, not tax or financial advice. Some inflation-adjusted amounts are finalized late in the year — verify against the IRS or SSA before filing.