Contribution limits are set by the IRS and adjusted for inflation, usually in the fall for the following year. The figures below cover 2026, with 2025 for comparison. Confirm the limits with the IRS or your plan before you set contribution elections. Model your own savings with the 401(k) Calculator, or find your employer match with the 401(k) Contribution Calculator.
401(k) Limits
| 2026 | 2025 | |
|---|---|---|
| Employee contribution | $24,500 | $23,500 |
| Catch-up (age 50+) | +$8,000 | +$7,500 |
| Total with catch-up | $32,500 | $31,000 |
| Catch-up for ages 60 to 63 | +$11,250 | +$11,250 |
| Total with ages 60 to 63 catch-up | $35,750 | $34,750 |
| Combined employee + employer | $72,000 | $70,000 |
IRA Limits (Traditional & Roth Combined)
| 2026 | 2025 | |
|---|---|---|
| Under age 50 | $7,500 | $7,000 |
| Age 50+ (catch-up) | $8,600 | $8,000 |
The limit applies across Traditional and Roth IRAs combined. You can split contributions between them, but the total can't exceed it. Roth eligibility phases out at higher incomes: for 2026 the range is $153,000 to $168,000 for single filers and $242,000 to $252,000 for married couples filing jointly. Compare the two accounts with the Roth vs Traditional IRA Calculator.
HSA Limits
| 2026 | 2025 | |
|---|---|---|
| Self-only coverage | $4,400 | $4,300 |
| Family coverage | $8,750 | $8,550 |
| Catch-up (age 55+) | +$1,000 | +$1,000 |
Key Things to Know
- 401(k) and IRA limits don't share a cap. You can fund both in the same year. Someone under 50 can contribute up to $24,500 + $7,500 = $32,000 across the two in 2026.
- The employer match doesn't count against your personal limit, only against the higher combined limit, so capturing a full match rarely causes a problem.
- Catch-up contributions need an election. Check with your plan administrator when you turn 50 rather than assuming the higher limit applies.
- Every limit adjusts for inflation. Use the current year's figures when setting up contributions, especially early in a new calendar year.