2025 vs. 2026 Retirement Contribution Changes
Retirement contribution limits don’t always change each year, but when they do, it’s important to understand what’s different and what stays the same. Below is a clear comparison of 2025 vs. 2026 retirement contribution limits, including 401(k)s, IRAs, and catch-up contributions, to help you plan with confidence.
Retirement Contribution Limits
Plan / Contribution Type
401(k) / 403(b) / 457 (Employee Deferral)
401(k) / 403(b) Catch-Up (Age 50+)
401(k) Super Catch-Up (Age 60-63)
Traditional / Roth IRA (Standard)
Traditional / Roth IRA Catch-Up (Age 50+)
SIMPLE IRA / 401(k) (Employee Deferral)
SIMPLE IRA Catch-Up (Age 50+)
Defined Contribution Annual Addition (Limit)
2025 Limit
$23,500
$7,500
$11,250
$7,000
$1,000
$16,500
$3,500
$70,000
2026 Limit
$24,500
$8,000
$11,250
$7,500
$1,100
$17,000
$4,000
$72,000
Roth IRA Income Limits 2026
-
Less than $153,000:
Full contributionBetween $153,000 & $168,000:
Reduced contribution$168,000+:
No contribution allowed
-
Less than $242,000:
Full contributionBetween $242,000 & $252,000:
Reduced contribution$252,000+:
No contribution allowed
-
Less than $10,000:
Reduced contribution$10,000+:
No contribution allowed