401k max contribution 2026
The maximum 401(k) contribution limits for the tax year 2026 are:
💰 2026 401(k) Contribution Limits
| Category | Contribution Limit (2026) | Notes |
| Employee Elective Deferral (Under Age 50) | $24,500 | This is the limit for pre-tax and/or Roth 401(k) contributions. |
| Standard Catch-Up Contribution (Age 50 and Older) | $8,000 | This is in addition to the $24,500 limit. The total employee limit is $32,500. |
| Enhanced Catch-Up Contribution (Ages 60, 61, 62, 63) | $11,250 | This is in lieu of the standard catch-up. The total employee limit is $35,750. (Check with your plan if they allow this enhanced limit). |
| Maximum Total Contribution (Employee + Employer) | $72,000 | This limit includes all sources: employee deferrals, employer matching, and non-elective contributions. |
Important Catch-Up Contribution Rule Change for 2026
A provision of the SECURE 2.0 Act has an important change for certain high earners:
Mandatory Roth Catch-Up: Beginning in 2026, if a participant is age 50 or older and had Social Security wages (Box 3 on W-2) over $145,000 in the prior year (2025), their catch-up contribution (the amount over the basic $24,500) must be made as a Roth (after-tax) contribution.
If your employer's plan does not offer a Roth 401(k) option, and you are a high earner subject to this rule, you may be unable to make catch-up contributions for 2026 unless the plan is amended.
These limits and rules are officially set by the IRS and apply to 401(k), 403(b), and most 457 plans.
Would you like me to check on the contribution limits for a different type of retirement account, like an IRA or SIMPLE IRA for 2026?
The maximum 401(k) contribution limits for the tax year 2026 are:
💰 2026 401(k) Contribution Limits
| Category | Contribution Limit (2026) | Notes |
| Employee Elective Deferral (Under Age 50) | $24,500 | This is the limit for pre-tax and/or Roth 401(k) contributions. |
| Standard Catch-Up Contribution (Age 50 and Older) | $8,000 | This is in addition to the $24,500 limit. The total employee limit is $32,500. |
| Enhanced Catch-Up Contribution (Ages 60, 61, 62, 63) | $11,250 | This is in lieu of the standard catch-up. The total employee limit is $35,750. (Check with your plan if they allow this enhanced limit). |
| Maximum Total Contribution (Employee + Employer) | $72,000 | This limit includes all sources: employee deferrals, employer matching, and non-elective contributions. |
Important Catch-Up Contribution Rule Change for 2026
A provision of the SECURE 2.0 Act has an important change for certain high earners:
Mandatory Roth Catch-Up: Beginning in 2026, if a participant is age 50 or older and had Social Security wages (Box 3 on W-2) over $145,000 in the prior year (2025), their catch-up contribution (the amount over the basic $24,500) must be made as a Roth (after-tax) contribution.
If your employer's plan does not offer a Roth 401(k) option, and you are a high earner subject to this rule, you may be unable to make catch-up contributions for 2026 unless the plan is amended.
These limits and rules are officially set by the IRS and apply to 401(k), 403(b), and most 457 plans.
Would you like me to check on the contribution limits for a different type of retirement account, like an IRA or SIMPLE IRA for 2026?
The maximum 401(k) contribution limits for the tax year 2026 are:
💰 2026 401(k) Contribution Limits
| Category | Contribution Limit (2026) | Notes |
| Employee Elective Deferral (Under Age 50) | $24,500 | This is the limit for pre-tax and/or Roth 401(k) contributions. |
| Standard Catch-Up Contribution (Age 50 and Older) | $8,000 | This is in addition to the $24,500 limit. The total employee limit is $32,500. |
| Enhanced Catch-Up Contribution (Ages 60, 61, 62, 63) | $11,250 | This is in lieu of the standard catch-up. The total employee limit is $35,750. (Check with your plan if they allow this enhanced limit). |
| Maximum Total Contribution (Employee + Employer) | $72,000 | This limit includes all sources: employee deferrals, employer matching, and non-elective contributions. |
Important Catch-Up Contribution Rule Change for 2026
A provision of the SECURE 2.0 Act has an important change for certain high earners:
Mandatory Roth Catch-Up: Beginning in 2026, if a participant is age 50 or older and had Social Security wages (Box 3 on W-2) over $145,000 in the prior year (2025), their catch-up contribution (the amount over the basic $24,500) must be made as a Roth (after-tax) contribution.
If your employer's plan does not offer a Roth 401(k) option, and you are a high earner subject to this rule, you may be unable to make catch-up contributions for 2026 unless the plan is amended.
These limits and rules are officially set by the IRS and apply to 401(k), 403(b), and most 457 plans.
Would you like me to check on the contribution limits for a different type of retirement account, like an IRA or SIMPLE IRA for 2026?
The maximum 401(k) contribution limits for the tax year 2026 are:
💰 2026 401(k) Contribution Limits
| Category | Contribution Limit (2026) | Notes |
| Employee Elective Deferral (Under Age 50) | $24,500 | This is the limit for pre-tax and/or Roth 401(k) contributions. |
| Standard Catch-Up Contribution (Age 50 and Older) | $8,000 | This is in addition to the $24,500 limit. The total employee limit is $32,500. |
| Enhanced Catch-Up Contribution (Ages 60, 61, 62, 63) | $11,250 | This is in lieu of the standard catch-up. The total employee limit is $35,750. (Check with your plan if they allow this enhanced limit). |
| Maximum Total Contribution (Employee + Employer) | $72,000 | This limit includes all sources: employee deferrals, employer matching, and non-elective contributions. |
Important Catch-Up Contribution Rule Change for 2026
A provision of the SECURE 2.0 Act has an important change for certain high earners:
Mandatory Roth Catch-Up: Beginning in 2026, if a participant is age 50 or older and had Social Security wages (Box 3 on W-2) over $145,000 in the prior year (2025), their catch-up contribution (the amount over the basic $24,500) must be made as a Roth (after-tax) contribution.
If your employer's plan does not offer a Roth 401(k) option, and you are a high earner subject to this rule, you may be unable to make catch-up contributions for 2026 unless the plan is amended.
These limits and rules are officially set by the IRS and apply to 401(k), 403(b), and most 457 plans.
Would you like me to check on the contribution limits for a different type of retirement account, like an IRA or SIMPLE IRA for 2026?
The maximum 401(k) contribution limits for the tax year 2026 are:
💰 2026 401(k) Contribution Limits
| Category | Contribution Limit (2026) | Notes |
| Employee Elective Deferral (Under Age 50) | $24,500 | This is the limit for pre-tax and/or Roth 401(k) contributions. |
| Standard Catch-Up Contribution (Age 50 and Older) | $8,000 | This is in addition to the $24,500 limit. The total employee limit is $32,500. |
| Enhanced Catch-Up Contribution (Ages 60, 61, 62, 63) | $11,250 | This is in lieu of the standard catch-up. The total employee limit is $35,750. (Check with your plan if they allow this enhanced limit). |
| Maximum Total Contribution (Employee + Employer) | $72,000 | This limit includes all sources: employee deferrals, employer matching, and non-elective contributions. |
Important Catch-Up Contribution Rule Change for 2026
A provision of the SECURE 2.0 Act has an important change for certain high earners:
Mandatory Roth Catch-Up: Beginning in 2026, if a participant is age 50 or older and had Social Security wages (Box 3 on W-2) over $145,000 in the prior year (2025), their catch-up contribution (the amount over the basic $24,500) must be made as a Roth (after-tax) contribution.
If your employer's plan does not offer a Roth 401(k) option, and you are a high earner subject to this rule, you may be unable to make catch-up contributions for 2026 unless the plan is amended.
These limits and rules are officially set by the IRS and apply to 401(k), 403(b), and most 457 plans.
Would you like me to check on the contribution limits for a different type of retirement account, like an IRA or SIMPLE IRA for 2026?
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