2026 Retirement Contribution Limits & Income Phaseouts Updated by IRS

Every year, the IRS updates various limits due to inflation. This covers everything from your tax rates and standard deductions to contribution limits for retirement accounts.

Earlier this month, the IRS released the 2026 contribution limits for a variety of retirement accounts and despite their best efforts, it’s formatted like an encyclopedia.

Here they are in a (hopefully) more easily readable format! 🤣

401(k), 403(b), 457 & TSP Accounts

The contribution limits for 401(k), 403(b), 457 & TSP has increased to $24,500 – a $1,000 increase over 2025.

The catch-up contribution limit for those 50+ is an additional $8,000 – a $500 increase over 2025.

The super catch-up limit for those 60-63 is an additional $3,250 on top of the $8,000 for a total super catch-up of $11,250.

So the limits are now, based on age:

• Under 50 – $24,500
• 50 to 59 – $32,500
• 60 to 63 – $35,750

Individual Retirement Arrangements (IRA)

For IRAs, your contribution limit is now $7,500 – a $500 increase over 2025.

The catch up contribution limits for those over 50 years old has increased to $1,100 – a $100 increase over 2025.

The Roth IRA income phaseouts have increased as well and remains based on the modified adjusted gross income:

• For single and head of household, the range is $153,000 to $168,000.
• For married filing jointly, the range is $242,000 to $252,000.
• For married filing separate, the range remained the same and is $0 to $10,000.

Health Savings Account (HSA)

These figures were not explicitly listed in the IRS page but Fidelity has a useful recap.

If you are eligible for an HSA, your limits are now $4,400 for individuals (self-only) and $8,750 for family coverage.

The catch up contribution limit for those 55+ is an additional $1,000.

Other Limits and Ranges

The Saver’s Credit (Retirement Savings Contributions Credit) increased its income limits:

• Singles & married filing separate tax filers income limit is $40,250 – up from $39,500 in 2025
• Married filing jointly tax filers income limit is $80,500 – up from $79,000 in 2025
• Heads of household tax filers income limit is $60,375 – up from $59,250 in 2025

SIMPLE retirement account limits increased to $17,000 – up from $16,500 from 2025. Catch up contributions for those 50+ has increased to $4,000 and the super catch up (60-63) is $5,250.