Info · Reference
2026 contribution limits
How much you can put into each tax-advantaged account this year — the numbers most people re-Google every January. All figures are for tax year 2026, straight from the IRS.
Tax year 2026 Retirement figures from the IRS annual cost-of-living notice; HSA/HDHP figures from IRS Rev. Proc. 2025-19. Tax year 2026. Verify against the IRS before acting. · source & method
- $24,500 401(k) / 403(b) / 457 employee contribution
- $7,500 IRA (traditional + Roth combined)
- $8,750 HSA, family coverage ($4,400 self-only)
Workplace retirement plans
Covers 401(k), 403(b), most 457(b) plans, and the federal Thrift Savings Plan. Catch-up contributions are added on top of the base limit.
| Who | You can contribute |
|---|---|
| Under 50 | $24,500 |
| 50 and older Base $24,500 plus a $8,000 catch-up. | $32,500 |
| Ages 60–63 A SECURE 2.0 "super catch-up" of $11,250 replaces the standard catch-up for these four years only. | $35,750 |
These are your contributions. Employer match is on top, up to a much higher combined cap. The 60–63 super catch-up is new under SECURE 2.0.
IRAs
| Who | Traditional + Roth, combined |
|---|---|
| Under 50 | $7,500 |
| 50 and older | $8,600 |
Whether you can deduct a traditional IRA, or contribute to a Roth at all, phases out over these income (MAGI) ranges:
| Phase-out | Single | Married filing jointly |
|---|---|---|
| Roth IRA eligibility | $153,000 – $168,000 | $242,000 – $252,000 |
| Traditional IRA deduction Applies when you're covered by a workplace plan. Without workplace coverage, the deduction generally isn't phased out. | $81,000 – $91,000 | $129,000 – $149,000 |
Health Savings Accounts (HSA)
An HSA needs a qualifying high-deductible health plan (HDHP). It's uniquely tax-advantaged — deductible in, tax-free growth, tax-free out for medical costs.
| HSA / HDHP figure | Self-only | Family |
|---|---|---|
| HSA contribution limit | $4,400 | $8,750 |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP out-of-pocket maximum | $8,500 | $17,000 |
Age 55 or older? Add a $1,000 HSA catch-up on top of either limit.
Educational information, not tax advice. Eligibility, deductibility, and the right account for you depend on your specific situation. These are the headline federal numbers for 2026; verify against the IRS and check with a tax professional for your case.
Sources & method
Figures for tax year 2026, transcribed from the IRS retirement cost-of-living notice and Rev. Proc. 2025-19 (HSA). Update once a year when the IRS publishes new figures.
Data
- 2026 Retirement Plan Contribution Limits (COLA), Internal Revenue Service. Elective deferral, catch-up, and IRA limits and phase-outs, indexed annually.
- Rev. Proc. 2025-19 (2026 HSA & HDHP limits), Internal Revenue Service. Inflation-adjusted HSA contribution limits and HDHP parameters for 2026.
Educational use only, not financial advice. Every figure traces back to the sources above or to the inputs you set — the full method and the source code are public.