Data study · retirement · updated for 2026
401(k), IRA and HSA contribution limits for 2026 and 2027
How much you can put into tax-advantaged accounts this year and next: 401(k) and similar workplace plans, traditional and Roth IRAs, SIMPLE plans and health savings accounts, with the catch-up amounts for older savers.
- 2026 401(k) $24,500 up from $23,500
- 2026 IRA $7,500 up from $7,000
- 2027 HSA $4,500 self · $9,000 family
- 2027 401(k) & IRA Pending expected Oct–Nov 2026
The 2027 401(k) and IRA limits haven’t been announced. The IRS usually publishes them in late October or November. The 2027 HSA limits are already final and are in the table below.
Your 2026 maximum contributions
Based on your age at the end of 2026. Plan rules and income limits can lower what you’re allowed.
2026 retirement plan limits
| Limit | 2026 | 2025 |
|---|---|---|
| 401(k), 403(b), governmental 457, TSP | $24,500 | $23,500 |
| Catch-up, age 50 and older | $8,000 | $7,500 |
| Catch-up, age 60 to 63 | $11,250 | $11,250 |
| Total employee + employer additions | $72,000 | $70,000 |
| Traditional and Roth IRA | $7,500 | $7,000 |
| IRA catch-up, age 50 and older | $1,100 | $1,000 |
| SIMPLE IRA and SIMPLE 401(k) | $17,000 | — |
| SIMPLE catch-up, 50+ / 60 to 63 | $4,000 / $5,250 | — |
The IRA catch-up is now indexed to inflation, which is why it rose above $1,000 for the first time in 2026.
2026 Roth IRA income limits
| Filing status | Full contribution if MAGI is under | No contribution at or above |
|---|---|---|
| Single or head of household | $153,000 | $168,000 |
| Married filing jointly | $242,000 | $252,000 |
| Married filing separately (lived together) | $0 | $10,000 |
HSA limits for 2026 and 2027
| Limit | 2026 | 2027 |
|---|---|---|
| HSA contribution, self-only | $4,400 | $4,500 |
| HSA contribution, family | $8,750 | $9,000 |
| Catch-up, age 55 and older | $1,000 | $1,000 |
| Minimum plan deductible, self / family | $1,700 / $3,400 | $1,750 / $3,500 |
| Maximum out-of-pocket, self / family | $8,500 / $17,000 | $8,700 / $17,400 |
To contribute to an HSA you need a high-deductible health plan that meets the minimum deductible and maximum out-of-pocket rules above, and no other health coverage that disqualifies you. The contribution limit covers money from you and your employer combined.
Contribution limits by year, 2018–2026
| Year | 401(k) | 401(k) catch-up | IRA | HSA self / family |
|---|---|---|---|---|
| 2027 | Pending | Pending | Pending | $4,500 / $9,000 |
| 2026 | $24,500 | $8,000 | $7,500 | $4,400 / $8,750 |
| 2025 | $23,500 | $7,500 | $7,000 | $4,300 / $8,550 |
| 2024 | $23,000 | $7,500 | $7,000 | $4,150 / $8,300 |
| 2023 | $22,500 | $7,500 | $6,500 | $3,850 / $7,750 |
| 2022 | $20,500 | $6,500 | $6,000 | $3,650 / $7,300 |
| 2021 | $19,500 | $6,500 | $6,000 | $3,600 / $7,200 |
| 2020 | $19,500 | $6,500 | $6,000 | $3,550 / $7,100 |
| 2019 | $19,000 | $6,000 | $6,000 | — |
| 2018 | $18,500 | $6,000 | $5,500 | — |
The 401(k) limit has risen $6,000 since 2018, and the IRA limit $2,000. Both move in fixed steps ($500 for 401(k)s and IRAs), so some years they don’t change even when prices rise.
Catch-up contributions for high earners
Starting in 2026, if you earned more than an IRS-set amount in Social Security wages from your employer the year before, any catch-up contributions you make to that employer’s 401(k) have to go in as Roth, after-tax money. You can still make them, but you won’t get the upfront tax deduction. Ask your plan how it handles this.
Contribution limits 2026 and 2027 — FAQ
What is the 401(k) contribution limit for 2026?
You can put up to $24,500 of your pay into a 401(k), 403(b), governmental 457 plan or the Thrift Savings Plan in 2026. If you’re 50 or older you can add $8,000, or $11,250 if you’re 60 to 63, for a total of up to $35,750.
What is the IRA contribution limit for 2026?
$7,500 across all your traditional and Roth IRAs combined, plus a $1,100 catch-up if you’re 50 or older. You can also contribute to a 401(k) in the same year.
What are the 2027 401(k) and IRA limits?
They haven’t been announced. The IRS usually publishes next year’s retirement plan limits in late October or November; the 2026 limits came out on November 13, 2025. The 2027 HSA limits are already out: $4,500 for self-only coverage and $9,000 for family coverage.
What are the HSA contribution limits for 2026 and 2027?
For 2026: $4,400 with self-only coverage and $8,750 with family coverage. For 2027: $4,500 and $9,000. People 55 or older can add $1,000 either year.
What is the 60 to 63 catch-up?
Since 2025, workers who turn 60, 61, 62 or 63 during the year can make a larger catch-up contribution to a 401(k), 403(b) or governmental 457 plan: $11,250 in 2026 instead of $8,000. At 64, it goes back to the regular catch-up. Your plan has to offer it.
What are the 2026 Roth IRA income limits?
The amount you can put in a Roth IRA phases out between $153,000 and $168,000 of modified AGI for single filers and heads of household, and between $242,000 and $252,000 for married couples filing jointly.
Other yearly money numbers
Source & method
2026 retirement plan limits are from the IRS November 2025 announcement and Notice 2025-67. HSA limits are from Rev. Proc. 2025-19 (2026) and Rev. Proc. 2026-24 (2027). Earlier years are from the IRS’s annual announcements. The calculator shows statutory maximums and doesn’t apply plan-specific rules, income limits or the high-earner Roth catch-up rule. General information, not tax advice.
Data: Internal Revenue Service. Our tables, charts and text are licensed CC BY-NC 4.0: share and adapt them for non-commercial use as long as you credit us. For commercial use or bulk data, use the APIVerve API. See the data terms. Cite as: Digest Your Finances, “401(k), IRA and HSA Contribution Limits”, https://digestyourfinances.com/studies/contribution-limits/ — based on Internal Revenue Service. CC BY-NC 4.0.
