2026 401(k) and 403(b) Employee Contribution Limit
The total employee contribution limit to all 401(k) and 403(b) plans for those under 50 will go up from $23,500 in 2025 to $24,500 in 2026. The catch-up contribution limit will rise from $7,500 in 2025 to $8,000 in 2026, so if you’re 50+, your 401(k) employee contribution limit will be $32,500 in 2026.
But if you are aged 60-63 by the end of 2026, your catch-up contribution will be $11,250, meaning you can contribute a total of $35,750.
2026 401(k)/403(b)/401(a) Total Contribution Limit
The total of all employee and employer contributions per employer will increase from $70,000 in 2025 to $72,000 in 2026 for those under 50. With the catch-up increasing to $8,000, the total contribution for those 50+ will be $80,000. If you’re 60-63, that contribution increases to $83,250.
Note that the 401(a) limit is separate from the 403(b) limit. So, you could theoretically get $72,000 into each of them.
2026 457(b) Contribution Limit
457(b) contribution limits will increase from $23,500 in 2025 to $24,500 in 2026. 457(b)s have unique catch-up contribution rules, so consult with your plan administrator if you are interested in putting more in your 457(b).
2026 Traditional and Roth IRA Contribution Limits
IRA contribution limits will increase from $7,000 in 2025 to $7,500 in 2026. The catch-up contribution limit will rise from $1,000 in 2025 to $1,100 in 2026.
2026 SEP-IRA Contribution Limits
SEP-IRA contribution limits will increase from $70,000 per year for 2025 to $72,000 in 2026.
2026 SIMPLE IRA and SIMPLE 401(k) Contribution Limits
The SIMPLE IRA and SIMPLE 401(k) contribution limits will increase from $16,500 in 2025 to $17,000 in 2026.
2026 Health Savings Account (HSA) Contribution Limits
For single people, the HSA contribution limit will increase from $4,300 in 2025 to $4,400 in 2026. Family coverage will increase from $8,550 to $8,750. The $1,000 catch-up contribution for those 55+ remains the same.
2026 Flexible Savings Account (FSA) Contribution Limits
Healthcare FSA contribution limits will increase from $3,300 in 2025 to $3,400 in 2026. Note that there are other types of FSAs (such as dependent care FSAs) with different limits.
