2026 Retirement and HSA Contribution Limits
The 2026 contribution limits for 401(k), 403(b), 457, and TSP plans, IRAs, and health savings accounts — including the SECURE 2.0 catch-up that applies only to ages 60 through 63.
The IRS adjusts retirement contribution limits for inflation each year and announces the following year's figures in the fall. These are the 2026 amounts, from IR-2025-111 and Rev. Proc. 2025-19.
One detail below trips people up more than any other, so it is worth flagging here: the higher catch-up for ages 60 through 63 replaces the age-50 catch-up during those years. It does not add to it.
Workplace plans: 401(k), 403(b), 457(b), TSP
| Limit | 2026 amount | Notes |
|---|---|---|
| Employee elective deferral | $24,500 | Applies to 401(k), 403(b), governmental 457(b), and the federal Thrift Savings Plan. |
| Catch-up, age 50 and over | $8,000 | On top of the base limit, for participants who reach 50 at any point in the year. |
| Catch-up, ages 60 through 63 | $11,250 | A SECURE 2.0 higher tier. It REPLACES the age-50 catch-up for those years — it does not stack on top of it. |
Maximum employee deferral by age, 2026
- Under 50: $24,500
- 50 through 59, and 64 and over: $32,500
- 60 through 63: $35,750
Employer matching and profit-sharing contributions do not count against the employee deferral limit. They count against a separate, much higher combined annual additions limit, which very few employees approach.
Individual Retirement Arrangements
| Limit | 2026 amount | Notes |
|---|---|---|
| IRA contribution | $7,500 | Combined across all traditional and Roth IRAs you own, not per account. |
| IRA catch-up, age 50 and over | $1,100 | On top of the base IRA limit. |
Health savings accounts
| Limit | 2026 amount | Notes |
|---|---|---|
| Self-only coverage | $4,400 | Requires enrollment in a qualifying high-deductible health plan. |
| Family coverage | $8,750 | Requires a qualifying family high-deductible health plan. |
| Catch-up, age 55 and over | $1,000 | Fixed by statute and not inflation-indexed. Not available once enrolled in Medicare. |
Contributions made through payroll deduction also avoid Social Security and Medicare tax, which contributions made directly to the account after payday do not. Where an employer offers payroll HSA contributions, routing money that way is worth roughly 7.65% more than contributing the same amount separately.
What is not on this page
The income phase-out ranges for Roth IRA eligibility and traditional IRA deductibility, the SIMPLE and SEP IRA limits, and the overall annual additions limit are all set separately and were not part of this pass. They are not published here rather than published unverified — see the editorial standards for why a missing figure is preferred to a plausible one.
Deadlines differ by account type: workplace plan deferrals must happen through payroll by December 31, while IRA and HSA contributions for a tax year can generally be made up to the April filing deadline of the following year.
Calculators that use this data
Sources
Found a figure that looks wrong or has been superseded? Tell us on the contact page — corrections are handled the way the editorial standards describe.