2026 retirement plan limits

Each year, the Internal Revenue Service updates contribution limits for retirement savings plans and pension plans. These limits apply to 401(k), 403(b), most 457 plans and the federal government’s Thrift Savings Plan.

For tax year 2026, the contribution limit has increased to $24,500. You can find additional details about the new limits in the table below.

401(k) plan limits

Non-401(k) related plan limits

Source:

irs.gov

Individuals who are age 50 or over can make annual catch-up contributions.

¹Secure Act 2.0 provides that special catch-up contributions apply for individuals who attain age 60, 61, 62 or 63 in 2026.

This material is intended for informational/educational purposes only. It should not be construed as personal investment advice. Investing involves risk and the potential to lose principal. Please contact your financial advisor for more information specific to your situation.

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