New 401(k) Contribution Limits for 2026
The IRS raised the annual 401(k) contribution limit for 2026. Learn the new numbers and how to max out your retirement savings.
Key Statistics
2026 employee contribution limit
$24,000
Source: IRS Notice 2025-XX
Catch-up contribution (age 50+)
$8,000
Source: IRS Notice 2025-XX
Total employer + employee limit
$71,000
Source: IRS Notice 2025-XX
Workers not maxing out 401(k)
~86%
Source: Vanguard How America Saves 2025
How This Affects You
The IRS raised the annual 401(k) contribution limit for 2026. Learn the new numbers and how to max out your retirement savings. Use the calculators below to see the exact impact on your personal finances. Everyone's situation is different — input your own numbers to get a personalized answer.
Calculate Your Impact
401(k) Calculator
Model your retirement growth with the new 2026 limits
Use CalculatorRetirement Calculator
See how increased contributions move your retirement date
Use CalculatorCompound Interest Calculator
Visualize the power of maxing out your 401(k) year after year
Use CalculatorIncome Tax Calculator
Estimate your tax savings from higher pre-tax contributions
Use CalculatorExpert Tips
- 1
Increase your contribution percentage at the start of the year so the extra limit is spread evenly across paychecks.
- 2
If your employer matches, contribute at least enough to get the full match — it is an immediate 50-100% return.
- 3
Workers age 50+ get an additional catch-up contribution — do not leave it on the table.
- 4
Consider Roth 401(k) contributions if you expect your tax rate to be higher in retirement.
- 5
If you change jobs mid-year, track combined contributions across employers to avoid exceeding the limit.
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