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Every 2026 retirement and HSA contribution limit in one table, copied from IRS sources: IR-2025-111 and Notice 2025-67 (Nov. 13, 2025) for retirement plans, Rev. Proc. 2025-19 for HSAs. Each row shows the 2025 figure next to it and links to the IRS document. Checked 2026-10-13.
| Limit | 2026 | 2025 | Source |
|---|---|---|---|
| Employee deferral: 401(k), 403(b), governmental 457, Thrift Savings Plan | $24,500 | $23,500 | IRS IR-2025-111 |
| Catch-up, age 50+ (most plans) | $8,000 | $7,500 | IRS IR-2025-111 |
| Higher catch-up, ages 60, 61, 62 and 63 (SECURE 2.0) | $11,250 | $11,250 | IRS IR-2025-111 |
| Total annual additions to a defined contribution plan, employee + employer (§ 415(c)(1)(A)) | $72,000 | $70,000 | IRS Notice 2025-67 (PDF) |
| Annual compensation limit (§ 401(a)(17)) | $360,000 | $350,000 | IRS Notice 2025-67 (PDF) |
| Prior-year FICA wage threshold above which catch-up contributions must be Roth (§ 414(v)(7)(A)) | $150,000 | $145,000 | IRS Notice 2025-67 (PDF) |
Under SECURE 2.0, if your prior-year FICA wages from the employer were over $150,000, catch-up contributions must go in as Roth (Notice 2025-67).
| Limit | 2026 | 2025 | Source |
|---|---|---|---|
| IRA contribution limit (traditional + Roth combined) | $7,500 | $7,000 | IRS IR-2025-111 |
| IRA catch-up, age 50+ | $1,100 | $1,000 | IRS IR-2025-111 |
The IRA limit is shared: the total you put into all your traditional and Roth IRAs for 2026 can't exceed it, or your taxable compensation if that's lower.
| Filing status | 2026 range | 2025 range |
|---|---|---|
| Single or 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 (lived with spouse) | $0 – $10,000 | $0 – $10,000 |
Below the range you can contribute the full amount; inside it the limit shrinks; at or above the top you can't contribute directly. Source: IRS IR-2025-111.
| Situation | 2026 range | 2025 range |
|---|---|---|
| Single or head of household, covered by a workplace plan | $81,000 – $91,000 | $79,000 – $89,000 |
| Married filing jointly, contributing spouse covered by a workplace plan | $129,000 – $149,000 | $126,000 – $146,000 |
| Not covered, but married (filing jointly) to someone who is covered | $242,000 – $252,000 | $236,000 – $246,000 |
| Married filing separately, covered by a workplace plan | $0 – $10,000 | $0 – $10,000 |
If neither you nor your spouse is covered by a workplace plan, these phase-outs don't apply. Source: IRS IR-2025-111.
| Limit | 2026 | 2025 | Source |
|---|---|---|---|
| SIMPLE IRA / SIMPLE 401(k) employee deferral | $17,000 | $16,500 | IRS IR-2025-111 |
| Higher deferral in certain applicable SIMPLE plans (SECURE 2.0) | $18,100 | $17,600 | IRS IR-2025-111 |
| SIMPLE catch-up, age 50+ (most SIMPLE plans) | $4,000 | $3,500 | IRS IR-2025-111 |
| SIMPLE catch-up, age 50+, certain applicable SIMPLE plans | $3,850 | $3,850 | IRS IR-2025-111 |
| SIMPLE higher catch-up, ages 60-63 | $5,250 | $5,250 | IRS IR-2025-111 |
| 2026 amount | Self-only | Family |
|---|---|---|
| HSA contribution limit | $4,400 | $8,750 |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP maximum out-of-pocket | $8,500 | $17,000 |
Age 55+ can add $1,000 (a fixed amount in the statute, not inflation-adjusted). Sources: IRS Rev. Proc. 2025-19 (PDF) · 26 U.S.C. § 223(b)(3). Compare HSA providers' fees on our HSA providers page.
Applies the IRS 2026 dollar limits above to your age, filing status and modified AGI. The Roth IRA figure uses the reduction method in IRS Publication 590-A, Worksheet 2-2, with the 2026 income ranges. A look-up, not tax advice: plan rules, your employer, and your taxable compensation can lower these.
Primary sources: IRS IR-2025-111: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (Nov. 13, 2025) · IRS Notice 2025-67 (PDF): 2026 retirement plan cost-of-living adjustments · IRS Rev. Proc. 2025-19 (PDF): 2026 HSA and HDHP amounts · IRS Publication 590-A: Roth IRA reduced-contribution worksheet · 26 U.S.C. § 223(b)(3): HSA additional contribution at age 55+.
Not tax advice. This page republishes IRS dollar amounts and rate tables only. It is not a filing tool, not personalized guidance, and not a substitute for IRS forms, Pub. 17, or a tax professional. We don't prepare returns or sell tax software.
$24,500 for employee deferrals, up from $23,500. Catch-up at 50+ is $8,000; ages 60–63 can use a $11,250 catch-up instead (IRS IR-2025-111).
$7,500, plus a $1,100 catch-up at age 50+ (IRS IR-2025-111). The limit is shared across traditional and Roth IRAs.
The phase-out is $153,000 – $168,000 of modified AGI for single and head of household filers and $242,000 – $252,000 for married filing jointly (IRS IR-2025-111).
$4,400 self-only and $8,750 family, plus $1,000 at age 55+ (IRS Rev. Proc. 2025-19).
Not tax advice. Figures are republished from the IRS with dates; confirm with IRS.gov or a tax professional before acting.