Understanding IRS contribution limits is important, especially when your goal is to contribute the maximum to your account. Even if you can't do the max, consider increasing your contribution a little each year to potentially move closer to your retirement goals.
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)