Yearly, the IRS updates numerous limits attributable to inflation. This covers all the pieces out of your tax charges and customary deductions to contribution limits for retirement accounts.
Earlier this month, the IRS launched the 2026 contribution limits for a wide range of retirement accounts and regardless of their greatest efforts, it’s formatted like an encyclopedia.
Right here they’re in a (hopefully) extra simply readable format! 🤣
Desk of Contents
401(ok), 403(b), 457 & TSP Accounts
The contribution limits for 401(ok), 403(b), 457 & TSP has elevated to $24,500 – a $1,000 improve over 2025.
The catch-up contribution restrict for these 50+ is an extra $8,000 – a $500 improve over 2025.
The tremendous catch-up restrict for these 60-63 is an extra $3,250 on high of the $8,000 for a complete tremendous catch-up of $11,250.
So the boundaries at the moment are, primarily based on age:
- Underneath 50 – $24,500
- 50 to 59 – $32,500
- 60 to 63 – $35,750
Particular person Retirement Preparations (IRA)
For IRAs, your contribution restrict is now $7,500 – a $500 improve over 2025.
The catch up contribution limits for these over 50 years previous has elevated to $1,100 – a $100 improve over 2025.
The Roth IRA earnings phaseouts have elevated as nicely and stays primarily based on the modified adjusted gross earnings:
- For single and head of family, the vary is $153,000 to $168,000.
- For married submitting collectively, the vary is $242,000 to $252,000.
- For married submitting separate, the vary remained the identical and is $0 to $10,000.
Well being Financial savings Account (HSA)
These figures weren’t explicitly listed within the IRS web page however Constancy has a helpful recap.
In case you are eligible for an HSA, your limits at the moment are $4,400 for people (self-only) and $8,750 for household protection.
The catch up contribution restrict for these 55+ is an extra $1,000.
Different Limits and Ranges
The Saver’s Credit score (Retirement Financial savings Contributions Credit score) elevated its earnings limits:
- Singles & married submitting separate tax filers earnings restrict is $40,250 – up from $39,500 in 2025
- Married submitting collectively tax filers earnings restrict is $80,500 – up from $79,000 in 2025
- Heads of family tax filers earnings restrict is $60,375 – up from $59,250 in 2025
SIMPLE retirement account limits elevated to $17,000 – up from $16,500 from 2025. Catch up contributions for these 50+ has elevated to $4,000 and the tremendous catch up (60-63) is $5,250.
