The IRS has announced new 401(k) contribution limits for 2026.

In its release Thursday, the agency increased the employee deferral limit to $24,500 next year, up from $23,500 in 2025. The change applies to 401(k)s, 403(b)s and most 457 plans, along with the federal Thrift Savings Plan.

The IRS also unveiled 2026 catch-up contribution limits for savers age 50 and older, new individual retirement account savings limits and higher income thresholds for Roth IRA contributions .

Starting in 2026, the 401(k) catch-up contribution limit will rise to $8,000 for savers 50 and older, from $7,500 in 2025. But investors aged 60 to 63 can instead save an extra $11,250, based on changes enacted via Secure 2.0 . That figure is unchanged from 2025.

Both amounts are in addition to the $24,

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