economy

January 11, 2026

For 2026, these 401(k) details 'matter more than ever,' advisor says. What you need to know

There are higher 401(k) contribution limits for 2026. Here are other key changes investors need to know.

For 2026, these 401(k) details 'matter more than ever,' advisor says. What you need to know

TL;DR

  • For 2026, the 401(k) deferral limit increases to $24,500 from $23,500 in 2025.
  • The total 401(k) limit, including employer contributions, will be $72,000 for 2026.
  • Catch-up contributions for those 50 and older increase to $8,000 in 2026.
  • The 'super catch-up' limit for ages 60-63 remains $11,250 in 2026.
  • IRA contribution limits rise to $7,500 for 2026, with a $1,100 catch-up for those 50+.
  • Starting in 2026, higher earners (over $150,000 in 2025) must make Roth catch-up contributions to their 401(k)s.
  • Exemptions to the Roth catch-up rule apply for new jobs started on Jan. 1, 2026, or for those exceeding the threshold via multiple employers.

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