The information below summarizes the retirement plan contribution limits for 2026.

N/A = Not applicable

View 2025 contribution limits.

More details on the retirement plan limits are available from the IRS.

457(b) Plans

The normal contribution limit for elective deferrals to a 457(b) deferred compensation plan is increased to $24,500 in 2026. Employees age 50 or older may contribute up to an additional $8,000 for a total of $32,500. Employees taking advantage of the special pre-retirement catch-up may be eligible to contribute up to double the normal limit, for a total of $49,000.

401(a) Plans

The total contribution limit for 401(a) defined contribution plans under section 415(c)(1)(A) increased from $70,000 to $72,000 for 2026. This includes both employer and employee contributions.

401(k) Plans

The annual elective deferral limit for 401(k) plan employee contributions is increased to $24,500 in 2026. Employees age 50 or older may contribute up to an additional $8,000 for a total of $32,500.

The total contribution limit for both employee and employer contributions to 401(k) defined contribution plans under section 415(c)(1)(A) increased from $70,000 to $72,000 ($80,000 if age 50 or older).

403(b) Plans

The annual elective deferral limit for 403(b) plan employee contributions increased to $24,500 in 2026. Employees age 50 or older may contribute up to an additional $8,000 for a total of $32,500.

The total contribution limit for both employee and employer contributions to 403(b) plans under section 415(c)(1)(A) increased from $70,000 to $72,000 ($80,000 if age 50 or older).

IRAs

The contribution limit for Traditional and Roth IRAs remained at $7,500. Employees age 50 or older are eligible to contribute an additional $1,100, for a total of $8,600.