12/02/2025
The IRS has officially released the retirement contribution limits for 2026 and theyâre higher across the board. Hereâs whatâs changing:
đš 401(k), 403(b), 457 & TSP Plans
* 2026 Contribution Limit: $24,500 (up from $23,500 for 2025)
* Catch-Up (Age 50+): $8,000 (up from $7,500 for 2025)
* Special Catch-Up (Ages 60â63): $11,250 (unchanged)
đš IRA Contributions
* 2026 IRA Limit: $7,500 (up from $7,000 for 2025)
* IRA Catch-Up (Age 50+): $1,100 (up from $1,000 for 2025)
đš SIMPLE Retirement Accounts
* 2026 SIMPLE Limit: $17,000 (up from $16,500 for 2025)
* Higher SIMPLE Limit (SECURE 2.0): $18,100 (up from $17,600)
* Catch-Up (Age 50+): $4,000 (up from $3,500)
These increases come with higher income phase-out ranges for IRA deductions, Roth IRA contributions, and the Saverâs Credit, expanding opportunities for more taxpayers to save.
Nowâs the time to review your retirement strategy and ensure youâre maximizing your limits for 2026.
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