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2026 deferral limits1
Standard deferral Age 50+ catch-up Age 60-63 catch-up
$24,500 $8,000 $11,250
2025 deferral limits2
Standard deferral Age 50+ catch-up Age 60-63 catch-up
$23,500 $7,500 $11,250

The Age 50+ catch-up provision allows people over age 50 to contribute more to an eligible retirement plan. A higher catch-up provision applies beginning in 2025 if you will reach age 60-63 by the end of the calendar year.

Attention high earners: Starting in 2026, if your prior-year wages exceed $150,000 in FICA (Social Security) wages (indexed for inflation), your age-based catch-up contributions must be Roth contributions. For more information, see our article "Boost your retirement savings".

IRA

2026 and 2025 Traditional/Roth IRA contribution limits3
Standard deferral Age 50+ catch-up
2026: $7,500 2026: $8,600
2025: $7,000 2025: $8,000

HSA

2026 and 2025 Self-only and family high-deductible health plan contribution limits4
Self-only coverage Family coverage
2026: $4,400 2026: $8,750
2025: $4,300 2025: $8,550
Stay up to date on any changes to the IRS deferral limits; visit the Retirement Plans section of the IRS website.

[1] 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
[2] 401(k) and IRA limits increases for 2025
[3] The annual limit is the sum of both Traditional IRA and Roth IRA contributions or your taxable compensation for the year, whichever is lower
[4] 2025 HSA limits (PDF)