401, IRA and HSA Contribution limits for 2026

 

401, IRA and HSA Contribution limits for 2025

Contribution limits for 401k and 403b are 24,500.

For people over 50 - catch-up contributions are additional $8,000.

For people ages 60-63 - "Super-catch-up" contributions are additional $11,250 instead of $8,000.

Changes for 401k catch-up are now active in 2026:

401(k) Catch-up contribution changes:

Starting in 2026 the catch-up contributions will be after-tax, as Roth (starting if you earned more than $145,000 in the prior year). 

So, there will be no tax deductions for the catch-up amount.  

Traditional IRA and Roth IRA: unchanged $7,500.
For people over 50 - catch-up contributions are additional $1,100.

HSA: $4,400 for single and $8,750 for family.
For people over 55 - catch-up contributions are additional $1,000.