All retirement account contribution limits for 2026. 401k, Roth IRA, Traditional IRA, SEP IRA, SIMPLE IRA, HSA, and 529 plan limits.
Est. monthly search volume: 200K+/mo
| Account Type | 2026 Limit | Catch-Up | Total with Catch-Up |
|---|---|---|---|
| 401k / 403b | $23,500 | $7,500 (50+) | $31,000 (50+) |
| Traditional IRA | $7,000 | $1,000 (50+) | $8,000 (50+) |
| Roth IRA | $7,000 | $1,000 (50+) | $8,000 (50+) |
| SEP IRA | $69,000 or 25% of comp | N/A | $69,000 |
| SIMPLE IRA | $16,500 | $3,500 (50+) | $20,000 (50+) |
| Solo 401k | $23,500 + 25% of net SE | $7,500 (50+) | $69,000 |
| HSA (Individual) | $4,300 | $1,000 (55+) | $5,300 (55+) |
| HSA (Family) | $8,550 | $1,000 (55+) | $9,550 (55+) |
| 529 Plan | No federal limit | N/A | $18,000/yr gift tax free |
| Filing Status | Full Contribution | Partial | Not Eligible |
|---|---|---|---|
| Single | Under $150,000 | $150,000 - $165,000 | Over $165,000 |
| Married Filing Jointly | Under $236,000 | $236,000 - $246,000 | Over $246,000 |
| Year | Employee Limit | Catch-Up (50+) |
|---|---|---|
| 2026 | $23,500 | $7,500 |
| 2025 | $23,500 | $7,500 |
| 2024 | $23,000 | $7,500 |
| 2023 | $22,500 | $7,500 |
| 2022 | $20,500 | $6,500 |
| 2021 | $19,500 | $6,500 |
| 2020 | $19,500 | $6,500 |
The 2026 401k employee contribution limit is $23,500. If you are 50 or older, you can contribute an additional $7,500 in catch-up contributions for a total of $31,000.
The 2026 Roth IRA contribution limit is $7,000 ($8,000 if 50+). Income limits apply: single filers must earn under $165,000, married filing jointly under $246,000 for full contributions.
Yes, you can contribute to both. However, if you have a workplace 401k, your Traditional IRA contribution may not be tax-deductible above certain income thresholds. Roth IRA eligibility depends on income.
The 2026 HSA limit is $4,300 for individual coverage and $8,550 for family coverage. An additional $1,000 catch-up is available for those 55+.