2026 IRA CONTRIBUTION LIMITS
Maximum workplace retirement plan contribution amounts | 2026 | 2025 |
401(k), 403(b), most 457 plans and federal Thrift Savings Plan | $24,500 | $23,500 |
Catch-up contributions in these plans for people 50 and older | $8,000 | $7,500 |
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IRA contribution limits | 2026 | 2025 |
Traditional and Roth IRAs for people younger than 50 | $7,500 | $7,000 |
Catch-up IRA contributions for people 50 and older | $1,100 | $1,000 |
Defined benefit pension plan annual benefit limits | $290,000 | $280,000 |
Annual employer and employee limit for 401(k) plans, SEP IRAs and solo 401(k)s | $72,000 | $70,000 |
Annual contribution limit for SIMPLE plans | $17,000 | $16,500 |
Catch-up contribution limit for people age 50 and up | $4,000 | $3,500 |
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Adjusted gross income phaseout range of IRA deductibility | 2026 | 2025 |
Single and contributing to a workplace plan | $81,000 | $79,000 |
Married filing jointly when the spouse making the contribution has a workplace plan | $129,000 | $126,000 |
Married and covered by a workplace place plan but filing separately | $0 to $10,000 | $0 to $10,000 |
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Roth IRA income eligibility phaseout | 2026 | 2025 |
Single and head of household filers | $153,000 | $150,000 |
Married filing jointly or qualified widow/widowers | $242,000 | $236,000 |