IRA and Retirement Plan Limits for 2026 from the IRS
IRA contribution limits for both Traditional and Roth IRA's
For Taxpayers (Under age 50)
Year: Annual Cap on IRA's
2026 $7,500.00 IRA Contribution
For Taxpayers age 50 and over
Year: Annual Cap on IRA's
2026 $8,500.00 IRA Contribution
These contributions can be made to a deductible, non-deductible or Roth IRA if your base-line Adjusted Gross Income limits are met for regular contributions.
401(K)s- Salary Deferral:
Salary reduction contributions to 401(K) type plans (Including 403(b)Plans and SEPs)
Year: Annual Cap on 401(K)s (Under 50)
2026 $24,500.00
Year: Annual on 401(K)s (Age 50 and older)
2026 $32,500.00
Special age 60-63 catch-up
2026 $11,250.00
