401(k) contribution limit 2026: $24,500 ($32,500 if 50+)
The 2026 401(k) contribution limit is $24,500, up from $23,500 in 2025, and workers 50 and older can add $24,500 for a total of $32,500, per the IRS.
Updated (ET)
The 2026 401(k) contribution limit is $24,500, up from $23,500 in 2025, and workers 50 and older can add $24,500 for a total of $32,500, per the IRS. The IRA limit rises to $7,500.
The same elective-deferral limit covers 403(b), most 457 plans and the federal Thrift Savings Plan. SECURE 2.0 sets a higher catch-up for ages 60 to 63; see the IRS release for that figure.
| Limit | 2026 | 2025 | Source |
|---|---|---|---|
| 401(k)/403(b)/457/TSP employee deferral | $24,500 | $23,500 | IRS |
| Catch-up, age 50+ | $24,500 | $23,500 | IRS |
| IRA contribution | $7,500 | $7,000 | IRS |
FAQ
How much can I put in my 401(k) in 2026?
How much can I put in my 401(k) in 2026?
$24,500 in employee deferrals. (Source)
What is the 2026 catch-up contribution?
$24,500 for most participants 50 and older, for up to $32,500. (Source)
What is the 2026 IRA limit?
$7,500, up from $7,000. (Source)
Does the limit include employer match?
No. The deferral limit covers only your own contributions. (Source)
When was this announced?
In the IRS newsroom release of November 13, 2025. (Source)