New IRA caps for 2026 are out find out how much extra you can save

IRS raises IRA contribution limit to $7,500 in 2026. Traditional and Roth IRAs jump from $7,000. Catch-up contributions for 50+ rise to $1,100. Singles can deduct contributions up to $91,000 income, married couples up to $149,000. Roth IRA limits also rise, letting more earners contribute tax-free. 401(k) plans increase to $24,500, with catch-up of $8,000 for 50+. Super catch-up for 6063 adds $11,250. Small increases now mean big long-term growth. Maximize contributions, check income limits, and boost retirement savings before 2026.