Comments From HFS
2026 Retirement Contribution Limits
For tax year 2026, the IRS has updated limits for 401(k), IRA, and other retirement accounts, reflecting cost-of-living adjustments and SECURE 2.0 Act changes.
401(k) / 403(b) / 457(b) / Thrift Savings Plan
- Employee-only limit (under 50): $24,500
- Catch-up (50+): $8,000
- Ages 60–63 (if plan allows): Higher “super catch-up” of $11,250
SIMPLE IRA
Under 50: $17,000
- 50+ catch-up: $4,000
- Ages 60–63 (if plan allows): $5,250 “super catch-up.”
IRA / Roth IRA
Annual limit (under 50): $7,500 (up from $7,000).
Catch-up (50+): $1,100
2027 U.S. Contribution Limits (Projected)
- Elective deferral limit (§401(k), §403(b), §457): $25,000
- Catch-up contribution (age 50+): $8,000
- Super catch-up contribution (ages 60–63, SECURE 2.0): $11,750
- IRA contribution limit: Projected $7,500
- IRA catch-up (age 50+): Projected $1,100
- SIMPLE IRA
- Under 50: $17,000
- 50+ catch-up: $4,000
- Ages 60–63 (if plan allows): $5,250 “super catch-up.”