401(k) vs IRA limit 2026: $24,500 vs $7,500
The 5-second answer
For 2026, the 401(k) contribution limit is $24,500 versus $7,500 for an IRA, per the IRS.
Updated (ET)
For 2026, the 401(k) contribution limit is $24,500 versus $7,500 for an IRA, per the IRS. You can contribute to both in the same year, subject to IRA deduction rules.
The comparison covers only the official contribution limits. Whether one account suits you better depends on your plan, employer match and income, which this page does not assess.
| Account | 2026 limit | 2025 limit | Source |
|---|---|---|---|
| 401(k) | $24,500 | $23,500 | IRS |
| IRA | $7,500 | $7,000 | IRS |
FAQ
Which has the higher limit in 2026, 401(k) or IRA?
Which has the higher limit in 2026, 401(k) or IRA?
The 401(k): $24,500 vs $7,500. (Source)
Can I contribute to both?
Yes, the limits are separate. (Source)
What were the 2025 limits?
$23,500 for 401(k) and $7,000 for IRA. (Source)
Does employer match count toward the 401(k) limit?
No, the deferral limit covers your own contributions. (Source)
Where do these limits come from?
IRS newsroom release, November 13, 2025. (Source)
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