2026 Contribution Limits
401(k) $24,500. IRA $7,500. Roth IRA phase-out from $153,000 (single) and $242,000 (joint). Check exactly what you can put in this year below.
Traditional IRA contributions: not deductible (you can still make a non-deductible contribution).
Next: project growth with the 401(k) calculator or Roth IRA calculator.
Contribution limits, 2026 vs 2025
| Limit | 2026 | 2025 |
|---|---|---|
| 401(k), 403(b), most 457 deferral | $24,500 | $23,500 |
| Catch-up, age 50+ | $8,000 | $7,500 |
| Catch-up, ages 60–63 | $11,250 | $11,250 |
| Total employee + employer | $72,000 | $70,000 |
| IRA (traditional + Roth combined) | $7,500 | $7,000 |
| IRA catch-up, age 50+ | $1,100 | $1,000 |
Roth IRA income limits (modified AGI)
| Filing status | 2026 phase-out | 2025 phase-out |
|---|---|---|
| Single, head of household | $153,000 – $168,000 | $150,000 – $165,000 |
| Married filing jointly | $242,000 – $252,000 | $236,000 – $246,000 |
| Married filing separately | $0 – $10,000 | $0 – $10,000 |
Traditional IRA deduction limits if you have a workplace plan
| Situation | 2026 phase-out | 2025 phase-out |
|---|---|---|
| Single, covered by a plan | $81,000 – $91,000 | $79,000 – $89,000 |
| Married jointly, contributor covered | $129,000 – $149,000 | $126,000 – $146,000 |
| Married jointly, only spouse covered | $242,000 – $252,000 | $236,000 – $246,000 |
Sources: IRS news releases IR-2025-111 (2026 limits) and IR-2024-285 (2025 limits); IRS Publication 590-A.
Questions people ask
What is the 401(k) contribution limit for 2026?
$24,500 in employee deferrals. Workers 50 and older can add $8,000 (total $32,500), and those aged 60–63 can add $11,250 instead (total $35,750). Employee plus employer contributions are capped at $72,000.
What is the IRA contribution limit for 2026?
$7,500, plus a $1,100 catch-up at age 50 or older ($8,600). It is one combined limit across all your traditional and Roth IRAs.
What are the 2026 Roth IRA income limits?
Full contributions are allowed with modified AGI below $153,000 (single/head of household) or $242,000 (married filing jointly). Contributions phase out completely at $168,000 and $252,000.
Can I contribute to both a 401(k) and an IRA?
Yes. The limits are separate. Having a workplace plan does not stop you contributing to an IRA, but it can limit whether traditional IRA contributions are tax-deductible (2026 phase-out $81,000–$91,000 single, $129,000–$149,000 joint).
What is the deadline for IRA contributions?
The tax-filing deadline for that year, normally April 15. Contributions for 2026 can be made until April 15, 2027. 401(k) deferrals must come out of pay by December 31.
What is the new Roth catch-up rule?
Starting in 2026, under SECURE 2.0, employees who earned more than $150,000 in FICA wages from that employer in the prior year must make any 401(k) catch-up contributions as Roth (after-tax) contributions.