Contribution Limits
March 19, 2026
If you are gearing up for retirement, it is beneficial to max out all available retirement account contributions whenever possible. Doing so promotes growth of wealth for the future and can also provide certain tax benefits and savings depending on your personal strategy.
This year brings a few changes in these limits – especially for those over the age of 50.
Workplace Retirement Plans
- Employee deferral limit: $24,500
- Age 50+ catch‑up: $8,000
- Total if 50+: $32,500
- “Super catch‑up” (ages 60–63): $11,250
- Total for ages 60–63: $35,750
Individual Retirement Accounts
- Base contribution limit: $7,500
- Age 50+ catch‑up: $1,100
- Maximum if 50+: $8,600
Health Savings Accounts
- Self‑only coverage: $4,400
- Family coverage: $8,750
- Age 55+ catch‑up: $1,000
Every retirement plan is different, and our team can help you see the big picture for your envisioned future. Contact us today to schedule your consultation. Let’s talk about how you can best prepare in 2026.