IRS figures, with the source
401(k), IRA and HSA limits for 2026 and 2025
How much you can put into a retirement account in a year is capped by the IRS, and the caps rise a little most years. Here are the limits for 2026 and 2025, each from the IRS notice that sets it.
| 2026 | 2025 | |
|---|---|---|
| 401(k), 403(b), government 457(b), Thrift Savings Plan (your own pay) | $24,500 | $23,500 |
| Catch-up at 50 or older (on top) | $8,000 | $7,500 |
| Catch-up at 60, 61, 62 or 63 (replaces the catch-up above) | $11,250 | $11,250 |
| IRA, traditional and Roth combined | $7,500 | $7,000 |
| IRA catch-up at 50 or older (on top) | $1,100 | $1,000 |
| HSA, self-only coverage | $4,400 | $4,300 |
| HSA, family coverage | $8,750 | $8,550 |
| HSA catch-up at 55 or older (on top) | $1,000 | $1,000 |
| Filing status | 2026 | 2025 |
|---|---|---|
| Single or head of household | $153,000 to $168,000 | $150,000 to $165,000 |
| Married filing jointly | $242,000 to $252,000 | $236,000 to $246,000 |
| Married filing separately (lived with spouse) | $0 to $10,000 | $0 to $10,000 |
| Situation | 2026 | 2025 |
|---|---|---|
| Single or head of household, covered at work | $81,000 to $91,000 | $79,000 to $89,000 |
| Married filing jointly, the contributor is covered at work | $129,000 to $149,000 | $126,000 to $146,000 |
| Married filing jointly, only the spouse is covered at work | $242,000 to $252,000 | $236,000 to $246,000 |
What these words mean
Catch-up contribution: extra room for people closer to retirement. Phase-out: as your income rises through the range, the amount you can contribute (or deduct) shrinks to zero. HSA: a health savings account, open to people with a qualifying high-deductible health plan.
The limit for the 401(k) is on your own deferrals. Your employer's match is separate. Contributions to a traditional account may lower the income you report, which feeds into the tax brackets.
Where these numbers come from
- Notice 2025-67, 2026 amounts relating to retirement plans and IRAs, as adjusted for changes in the cost of living. Published November 13, 2025. irs.gov
- IR-2025-111, 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500. Published November 13, 2025. irs.gov
- Rev. Proc. 2025-19, 2026 inflation-adjusted amounts for Health Savings Accounts. Published May 19, 2025 (Internal Revenue Bulletin 2025-21). irs.gov
- Instructions for Form 8889 (2026), early release draft, Health Savings Accounts. Published draft, July 21, 2026. irs.gov
- Notice 2024-80, 2025 amounts relating to retirement plans and IRAs, as adjusted for changes in the cost of living. Published November 1, 2024. irs.gov
- IR-2024-285, 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000. Published November 1, 2024. irs.gov
- Rev. Proc. 2024-25, 2025 inflation-adjusted amounts for Health Savings Accounts. Published May 28, 2024 (Internal Revenue Bulletin 2024-22). irs.gov
The $1,000 HSA catch-up is set by law and is not adjusted for inflation; the IRS's final 2026 forms had not yet been published when we checked, so the 2026 label rests on draft 2026 instructions for Form 8889.
Keep going
Frequently Asked Questions
What is the 401(k) contribution limit for 2026?
$24,500 of your own pay can go into a 401(k), 403(b), government 457(b) or the Thrift Savings Plan in 2026, up from $23,500 in 2025. People 50 or older can add $8,000, and people who turn 60, 61, 62 or 63 during the year can add $11,250 instead. The source is IRS Notice 2025-67.
What is the IRA contribution limit for 2026?
$7,500 across all your traditional and Roth IRAs combined, up from $7,000 in 2025. People 50 or older can add $1,100.
Can I put money in a Roth IRA if I earn a lot?
Roth IRA contributions phase out as income rises. For 2026 the range is $153,000 to $168,000 of modified adjusted gross income for single filers and heads of household, and $242,000 to $252,000 for married couples filing jointly. Inside the range you can contribute a reduced amount; above it, none.
What is the HSA limit for 2026?
$4,400 for self-only coverage and $8,750 for family coverage with a qualifying high-deductible health plan, plus $1,000 if you are 55 or older. In 2025 it was $4,300 and $8,550.
Do the contribution limits go up every year?
Most of them do. Between 2025 and 2026 the 401(k) limit rose from $23,500 to $24,500 and the IRA limit from $7,000 to $7,500. The IRS published the 2025 numbers in Notice 2024-80 on November 1, 2024 and the 2026 numbers in Notice 2025-67 on November 13, 2025, so the 2027 limits are likely to appear this autumn. We will update this page when they do.