Each year , the IRS adjusts the contribution limits for retirement accounts based on cost-of-living adjustments and inflation. Find the 2026 contribution limits below.
Traditional Individual Retirements Accounts (IRAs)
Traditional IRAs are made with tax-deductible contributions. Withdrawals and earnings are then taxed as ordinary income in retirement. Anyone can open and contribute to a traditional IRA as long as you have taxable income. Traditional IRAs have required minimum distributions (RMDs).
2026 contribution limit for traditional IRA:
- $7,500
- $8,600 (age 50 and older)
Roth Individual Retirements Accounts (IRAs)
Roth IRAs are made with after-tax dollars. Withdrawals and earnings are then tax-free when taken in retirement. Anyone can open and contribute to a traditional IRA as long as you have taxable income. Roth IRAs do not have required minimum distributions (RMDs).
2026 contribution limit for Roth IRA:
- $7,500
- $8,600 (age 50 and older)
Phase-Out Contribution Limits
Roth IRAs have phase-out contribution limits based on your modified adjusted gross income (MAGI). For 2026, these limits are as follows:
- Single/Head of Household:
- Full Contribution: Below $153,000
- Partial Contribution: $153,000 to $168,000
- No Contribution: Above $168,000
- Married Filing Jointly:
- Full Contribution: Below $242,000
- Partial Contribution: $242,000 to $252,000
- No Contribution: Above $252,000
SIMPLE IRAs
A SIMPLE IRA is a retirement account option that small businesses with less than 100 employees can offer eligible staff. Employees and employers both contribute; employers are required to contribute to their employees’ SIMPLE IRA plans as a matching or non-elective contribution.
2026 contribution limit for SIMPLE IRA:
- $17,000
- $21,000 (age 50 – 59)
- $22,250 (age 60 – 63)
Workplace Retirement Accounts
Workplace retirement accounts include 401(k), 403(b), Profit-Sharing and similar employer-sponsored plans.
2026 contribution limit for 401(k), 403(b), and similar plans:
- $24,500
- $32,500 (ages 50 – 59)
- $35,750 (ages 60 – 63)
In addition to age-based catch-ups, certain 403(b) participants may qualify for an additional service-based catch-up opportunity that the plan offers.
403(b) 15-Year Special Catch-Up:
If you’ve worked 15 years for the same qualifying employer and contributed less than the maximum in prior years, you may be able to add up to $3,000 per year (lifetime $15,000) to your 403(b) before using the age-50 catch-up.
Roth Catch-Up Rule Change:
Starting in 2026, plan sponsors must treat catch-up contributions for certain highly paid participants as Roth deferrals. Read more about this change here.
2026 combined employer/employee contribution limit:
- $72,000
- $80,000 (ages 50 – 59)
- $83,250 (ages 60 – 63)
Update your 2026 retirement plan with Landmark Financial
Are you on track to meet your retirement goals? Meet with a Landmark Financial advisor to ensure your 2026 retirement plan is aligned with your vision for the future.