2026 401(k) and IRA contribution limits
How much you can put into workplace plans and IRAs in 2026, including catch-up contributions, from IRS Notice 2025-67.
Roth IRA income limits (modified AGI)
| Filing status | Full contribution below | No contribution at or above |
|---|---|---|
| Single or head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately (lived together) | $0 | $10,000 |
Between the two figures the allowed contribution is reduced proportionally.
Frequently asked questions
What is the 401(k) contribution limit for 2026?
$24,500 in employee deferrals to a 401(k), 403(b), governmental 457 plan or the Thrift Savings Plan. Workers 50 or older can add a $8,000 catch-up ($32,500 in total), and those aged 60 to 63 can instead add $11,250 ($35,750 in total).
What is the IRA contribution limit for 2026?
$7,500 across all your traditional and Roth IRAs combined, plus a $1,100 catch-up from age 50 ($8,600). You can't contribute more than your taxable compensation for the year.
What are the 2026 Roth IRA income limits?
The amount you can put into a Roth IRA phases out between $153,000 and $168,000 of modified adjusted gross income for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly.
Sources: IRS Notice 2025-67, IRS news release IR-2025-111, IRS: IRA contribution limits. Not tax advice.