Retirement contribution limits and income phase-outs for 2026 updated by the IRS

Every year the IRS updates various limits due to inflation. This includes everything from you tax rates and standard deductions Unpleasant contribution limits for retirement accounts.

Earlier this month, the IRS released the 2026 contribution limits for a variety of retirement accounts and despite their best efforts, it’s formatted like an encyclopedia.

Here they are in a (hopefully) easier to read format! 🤣

Table of contents

1. 401(k), 403(b), 457 & TSP accounts
2. Individual Retirement Arrangements (IRA)
3. Health Savings Account (HSA)
4. Other limits and ranges

401(k), 403(b), 457 & TSP accounts

Contribution limits for 401(k), 403(b), 457 & TSP have been increased to $24,500 – an increase of $1,000 from 2025.

The catch-up contribution limit for those 50+ is an additional $8,000 – an increase of $500 from 2025.

The super catch-up limit for people aged 60 to 63 is an additional $3,250 on top of the $8,000, for a total super catch-up of $11,250.

So the limits now are, based on age:

• Under 50 – $24,500
• 50 to 59 – $32,500
• 60 to 63 – $35,750

Individual Retirement Arrangements (IRA)

For IRAs, your contribution limit is now $7,500 – an increase of $500 from 2025.

Catch-up contribution limits for people over 50 have been increased to $1,100 – an increase of $100 from 2025.

Roth IRA income phaseouts have also increased and remain based on modified adjusted gross income:

• For singles and heads of households, the range is $153,000 to $168,000.
• For married filing jointly, the range is $242,000 to $252,000.
• For divorced marriage applications, the range remained the same: from $0 to $10,000.

Health Savings Account (HSA)

These numbers were not explicitly stated on the IRS page, but Fidelity has a useful resource to summarize.

If you qualify for an HSA, your limits are now $4,400 for individuals (just for yourself) and $8,750 for family coverage.

The catch-up contribution limit for 55+ is an additional $1,000.

Other limits and ranges

The Retirement Savings Contributions Credit increased its income limits:

• Singles and married individuals filing a separate income limit for tax filers is $40,250 – up from $39,500 in 2025
• Married filers of joint tax returns income limit is $80,500 – up from $79,000 in 2025
• The income limit of heads of household tax filers is $60,375, up from $59,250 in 2025

The limits for a simple superannuation account have been increased to $17,000 – up from $16,500 from 2025. Catch-up contributions for 50+ have been increased to $4,000 and the super catch-up contribution (60-63) is $5,250.