Announcements

January 30, 2026

2026 contribution limits

Contribution maximums and other dollar limits are readjusted annually based on inflation.

The table below shows the allowable contribution amounts and dollar limits for 2026 and 2025.

Retirement plan contribution and dollar limits

Type

Limits

 

 

2026

2025

401(k) deferrals (total traditional and Roth employee contributions)

$24,500

$23,500

Catch-up contributions (Ages 50–59 and 64+)*

$8,000

$7,500

Catch-up contribution (age 60–63)*

$11,250

$11,250

Annual additions limit for DC plans†

$72,000

$70,000

Annual compensation limit

$360,000

$350,000

Lookback year‡ compensation for Highly Compensated Employees (HCEs)

$160,000

$160,000

Taxable wage base for Social Security

$184,500

$176,100

Taxable wage base for Medicare

Unlimited

Unlimited
 

Footnotes/Important information:

*Starting in 2026, participants who earned more than $150,000 (indexed annually for inflation) in Social Security wages (Form W-2, Box 3) in the prior calendar year (2025) from the employer sponsoring the plan are required to make catch-up contributions as after-tax Roth contributions, even if regular contributions are pre-tax. Participants who earned $150,000 or less in 2025 can continue to make pre-tax and/or Roth catch-up contributions (if available).

†The DC annual additions limit is effective for limitation years ending in the calendar year.

‡Use current lookback year compensation to determine HCEs for the following year. For example, use the 2026 lookback compensation threshold above for 2027 HCE determination. Use the 2025 lookback compensation threshold ($160,000) for 2026 HCE determination.

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