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On November 13, 2025, the IRS released the 2026 maximum contribution limits for retirement plans and individual retirement accounts (IRAs). Here are a few of the notable changes:

• The annual contribution limit for 401(k) plans will increase to $24,500 (from $23,500 in 2025).
  • The annual catch-up contribution limit will increase to $8,000 (from $7,500 in 2025) for participants age 50 and over.
  • The annual catch-up contribution, introduced by the SECURE Act 2.0, for participants between ages 60 to 63, remains at $11,250 annually.
• The annual contribution limit for IRAs will increase to $7,500 (from $7,000 in 2025).
  • The annual catch-up contribution limit will increase to $1,100 (from $1,000 in 2025) for participants age 50 and over.

You can find the full list of the new limits in IRS .

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