US EditionIRS announces 2026 401(k) contribution limits, raises savings cap
The IRS raised 2026 contribution limits for 401(k), IRAs, and catch-up savings, increasing 401(k) limits by $1,000 to $24,500 and catch-up limits to $8,000 for those 50 and older.
- On Thursday, the Internal Revenue Service raised the employee 401 deferral limit to $24,500 for 2026, covering 401, 403, most 457 plans and the federal Thrift Savings Plan.
- Because of required cost‑of‑living adjustments, the IRS said Notice 2025-67 reflects legal indexing and SECURE 2.0 changes that altered catch-up rules for 2026 limits.
- For savers 50 and older the rules show a catch-up limit of $8,000, while savers aged 60–63 retain a $11,250 SECURE 2.0 catch-up, enabling total contributions up to $35,750.
- The notice also raised caps for Individual Retirement Accounts to $7,500 with $1,100 catch-up, SIMPLE IRA plans to $17,000 with $4,000 catch-up, and QCDs to $111,000.
- Despite higher caps, Vanguard's data show only 14% of participants maxed out plans in 2024, and SECURE 2.0 adds administrative caveats, the IRS said.
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Big Changes Are Coming to 401(k) Contribution Limits. Here's What to Know.
On November 13, the Internal Revenue Service (IRS) announced some sweeping changes to contribution limits for 401(k) savers who may be part of the investor cohort who are willing and able to maximize these retirement accounts. Quick Read The IRS raised 401(k) contribution limits to $24,500 for 2026, up $1,000 from 2025. Workers aged 50 and older can now contribute up to $32,500 total with the new $8,000 catch-up limit. It sounds nuts, but So…
IRS Raises Retirement Contribution Limits for 2026
The Internal Revenue Service announced new contribution limits for key retirement plans for tax year 2026, offering increased opportunities for Americans to save. Under the new guidelines, workers contributing to tax-favored plans such as 401(k), 403(b), governmental 457 and the federal Thrift Savings Plan will see their elective deferral limit rise to $24,500 from $23,500 [...] The post IRS Raises Retirement Contribution Limits for 2026 appeare…
The IRS will raise contribution limits to 401(k) and IRA by 2026. Know how much you can save and how the new tax caps and rules affect you
IRS reveals updated retirement contribution limits for 2026
The IRS unveiled contribution limit changes for popular retirement plans, including 401(k) plans and IRAs.Americans who contribute to 401(k) and 403(b) plans, as well as governmental 457 plans and the federal government's Thrift Savings Plan, will see their contribution limit rise to $24,500 in 2026 – an increase from $23,500 in 2025 – the IRS announced on Thursday.The IRA contribution limit is also rising next year, increasing to $7,500 in 2026…
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