2026 Retirement Contribution Limits Are Increasing — Here’s What Investors Need to Know (IRS Update Explained)
Every year, the IRS updates retirement account contribution limits. And every year, people wonder:
“What does this actually mean for my financial plan?”
The IRS just released the official 2026 cost-of-living adjustments (IR-2025-111 & Notice 2025-67), and the increases this time are meaningful for anyone contributing to 401(k)s, IRAs, Roth IRAs, SIMPLE IRAs, or 457/403(b) plans.
Key IRS Retirement Plan Changes for 2026 (401k, IRA, Roth IRA, SIMPLE)
401(k), 403(b), 457 & TSP Limits
- New contribution limit: $24,500
- Catch-up age 50+: $8,000
- Total possible: $32,500
- Ages 60–63 SECURE 2.0 special catch-up: $11,250
IRA & Roth IRA Updates
- Contribution limit: $7,500
- Catch-up age 50+: $1,100
IRA phase-out ranges:
- Single: $81,000–$91,000
- Married filing jointly (covered spouse): $129,000–$149,000
- Non-covered spouse: $242,000–$252,000
Roth IRA phase-out ranges:
- Singles/heads of household: $153,000–$168,000
- Married filing jointly: $242,000–$252,000
SIMPLE IRAs
- Contribution limit: $17,000
- Catch-up age 50+: $4,000
Saver’s Credit
- Married filing jointly: $80,500
- Head of household: $60,375
- Single: $40,250
Why These IRS Changes Matter
- More tax-advantaged space to build wealth
- Higher Roth eligibility ranges
- Enhanced late-career catch-up opportunities
- Better long-term planning flexibility
How to Think About Your Retirement Strategy
- Income and tax bracket considerations
- Employer plan structure and benefits
- Retirement timeline and age
- Coordination across pensions, RSUs, or multiple income sources
Questions about how these new IRS limits apply to you? I’d be glad to help. You can connect with me at MaiParkCapital.com/schedule-a-conversation
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About the Author
Mai Park, CPWA®, is the Founder of Mai Park Capital, with offices in Newport Beach and Torrance. She brings over 20 years of experience advising individuals and families through retirement transitions, tax-efficient wealth strategies, equity compensation planning, and long-term legacy design.