📌 2026 Retirement Contribution Limits
A quick reference for the 2026 tax year (federal). These are the IRS limits for how much you can put into each type of retirement account this year.
| Account Type | 2026 Contribution Limit | Catch-Up (Age 50+) |
|---|---|---|
| Traditional & Roth IRA | $7,500 | +$1,100 → $8,600 |
| 401(k) / 403(b) / 457(b) | $24,500 | +$8,000 → $32,500 |
| SIMPLE IRA | $17,000 | +$4,000 → $21,000 |
| SEP IRA | Up to $72,000 (25% of comp) | — |
| Solo 401(k) | $24,500 employee Combined max $72,000 | +$8,000 → $32,500 ($80,000 combined w/ catch-up) |
🔑 Other 2026 Numbers to Know
- Super Catch-Up (ages 60–63): The 401(k)/403(b)/457 catch-up rises to $11,250, bringing the total possible contribution to $35,750.
- Roth IRA income phase-out: $153,000–$168,000 (single) and $242,000–$252,000 (married filing jointly).
- Roth catch-up rule: If you earned more than $145,000 in wages from your employer last year, your catch-up contributions must go into a Roth (after-tax) account.
- RMDs: Required Minimum Distributions begin at age 73.
- Contribution deadline: You have until April 15, 2027 to make 2026 IRA contributions.
For the full breakdown of each account type – pre-tax vs. after-tax, who each one is best for, and the strategy behind them – see our full guide: Retirement Accounts.