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IRS contribution limits

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.

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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.

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