401(k) limits 2026 rise again as IRS unveils higher contribution caps what the new increases mean for your retirement savings this coming year

401k contribution limits 2026: The IRS has lifted 2026 retirement limits. The 401(k), 403(b) and 457 employee contribution cap rises to $24,500 from $23,500. Catch-up for workers 50+ increases to $8,000. The special 6063 super catch-up stays at $11,250. The total defined-contribution plan limit climbs to $72,000. IRA limits rise to $7,500, up from $7,000. IRA catch-up moves to $1,100. Income phase-outs for Roth and traditional IRA deductions shift higher. These boosts give savers more tax-advantaged space in 2026 as inflation adjustments take effect.