Updated Retirement Contribution Limits for 2026

The IRS has announced updated retirement contribution limits for 2026. Here is a quick overview to help with your planning. Click here for the full report. 

• 401(k), 403(b), 457, and TSP contributions will increase to $24,500.
• For those age 50+, the catch-up limit increases to $8,000, allowing a total of $32,500.
• IRA contribution limits will rise to $7,500, with a $1,100 catch-up for those 50+.
• The income phase-out range for taxpayers making contributions to a Roth IRA is increased to between $153,000 and $168,000 for singles and heads of household.
• For married couples filing jointly, the income phase-out range is increased to between $242,000 and $252,000.

If you traditionally maximize your annual contributions, or would like to, please contact our team by 12/15/25 to make the appropriate adjustments for 2026.

This is also a great time to make any end-of-year contributions to maximize your 2025 contributions. 

If you’d like to discuss how these changes impact your 2026 strategy, we’re here to help.