| Type | 2025 limit | 2026 limit | Change |
|---|---|---|---|
| 401(k), 403(b), 457(b), and their Roth equivalents | $23,500 | $24,500 | +$1,000 |
| Catch-up contribution, ages 50+ | $7,500 | $8,000 | +$500 |
| Catch-up contribution, ages 60–63 | $11,250 | $11,250 | No change |
| Traditional and Roth IRAs | $7,000 | $7,500 | +$500 |
| Catch-up contribution, ages 50+ | $1,000 | $1,100 | +$100 |
| Health savings account |
Individual: $4,300 Family: $8,550
|
Individual: $4,400 Family: $8,750 |
Individual: +$100 Family: +$200
|
| Catch-up contribution, ages 55+ | $1,000 | $1,000 | No change |
| SEP-IRA* and overall defined contribution plan limit† |
$70,000
|
$72,000 |
+$2,000
|
| SIMPLE IRA and SIMPLE 401(k) | $16,500 | $17,000 | +$500 |
| Catch-up contribution, ages 50+ | $3,500 | $4,000 | +$500 |
| Catch-up contribution, ages 60–63 | $5,250 | $5,250 | No change |
Disclosure Title
Source:
Disclosure
irs.gov.
*SEP-IRA contributions are limited to the lesser of 25% of the employee's compensation or the $72,000 annual limit. The limit for owners is the lesser of 20% of net income or the annual limit.
†Includes 401(k) and 403(b) plans. Does not include 457(b) plans.