The IRS sets annual limits on how much you can contribute to each type of retirement account. These limits are adjusted periodically for inflation. Contributing up to the limit each year, when possible, is one of the most direct ways to maximize long-term savings growth.
2026 contribution limits
| Account type | Standard limit | Age 50+ catch-up | Total age 50+ |
|---|---|---|---|
| 401(k) | $24,500 | $8,000 | $32,500 |
| 401(k) ages 60-63* | $24,500 | $11,250 | $35,750 |
| Traditional IRA | $7,500 | $1,100 | $8,600 |
| Roth IRA | $7,500 | $1,100 | $8,600 |
| SIMPLE IRA | $17,000 | varies | varies |
*A higher catch-up contribution limit for ages 60-63 was introduced under SECURE 2.0. Roth IRA contributions are also subject to income eligibility limits. Limits are set by the IRS and subject to annual adjustment. Verify current figures at IRS.gov or consult a licensed financial professional.
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