Each year the IRS updates the amount of money individuals may save for retirement into 401(k) and IRA plans.

  • Learn how much you can save this year
  • Maximize your retirement plan contributions
  • Incentivize your team to save for their future

This Year's Contribution Limits

Maximum employee elective contribution (age 49 and younger)

$24,500, up from $23,500 in 2025

Maximum employee elective contribution (age 50 and older)

Additional $8,000, up from $7,500 in 2025

Maximum employee elective deferral plus catch-up contribution (age 50 or older)

$32,500, up from $31,000 in 2025

Defined contribution maximum limit, employee + employer (age 49 or younger)

$72,000, up from $70,000 in 2025

Defined contribution maximum limit (age 50 or older), all sources + catch-up

$80,000, up from $79,000 in 2025

Highly compensated employees’ threshold for nondiscrimination testing

$160,000, remaining the same as in 2025.

Key employee officer compensation threshold

$235,000, up from $230,000 in 2025

Annual compensation limit for HCEs and key employees

$360,000, up from $350,000 in 2025

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Want to learn more about the limits? Download our 2026 IRS Contributions Limits guide today!