Retirement2 min read · Updated October 21, 2026
401(k) and IRA contribution limits for 2026
The 2026 limits for 401(k), IRA and catch-up contributions, with what they mean in practice.
2026 limits
| 401(k) employee limit | $24,500 |
| 401(k) catch-up, age 50+ | $8,000 |
| IRA limit | $7,500 |
| IRA catch-up, age 50+ | $1,100 |
Where to start
Get the full employer match first, then consider an IRA, then raise your 401(k).
Common questions
What is the 2026 401(k) limit?
$24,500.
What is the 2026 IRA limit?
$7,500.