Overview
- Employee deferral limits for 401(k), 403(b), most 457 plans and the Thrift Savings Plan rise to $24,500 in 2026, the largest increase in two years and double the $500 bumps of 2024 and 2025.
- The 50+ catch-up for workplace plans increases to $8,000 next year, while the Secure 2.0 enhanced catch-up for savers ages 60 to 63 remains $11,250 on top of the standard limit.
- IRA contribution caps climb to $7,500 for 2026, and the IRA catch-up for those 50 and older increases to $1,100.
- Roth IRA income phase-outs move to $153,000–$168,000 for single filers and $242,000–$252,000 for married couples filing jointly, with traditional IRA deduction ranges also stepping up.
- Saver’s Credit eligibility expands to incomes up to $80,500 for joint filers, $60,375 for heads of household and $40,250 for single filers, with full details posted by the IRS.