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Retirement Plan Contribution Chart Tax Years 2025 and 2026

During the working phase of life, it is important to save for retirement using the type of retirement accounts that are best for your situation. Remember there are different rules for qualifying to use retirement accounts through your employer versus individual retirement accounts that you can use outside of work.

The Retirement Plan Contribution Chart for Tax Years 2025 and 2026 for a Traditional IRA and a Roth IRA are $7,000 in 2025 and increase to $7,500 in 2026. Company retirement plans, such as 401(k)s, 403(b)s and 457s have increased from $23,500 in 2025 to $24,500 in 2026.  The annual catchup provision for both Traditional and Roth IRAs are $1,000 in 2025 and jumps to $1,100 in 2026. The Secure Act 2.0 changed the annual catchup provision for 401(k), Roth 401(k), 403(b), and 457 accounts as follows:

  • Ages 50-59, or 64 and older can contribute an additional $8,000/year
  • Ages 60, 61, 62 and 63 can contribute a higher $11,250/year.
Contribution Limits for 2026

Contribution Limits for 2026

  • Traditional and Roth IRA Contribution Limit - $7,500/year (people under 50 years old)
  • Traditional and Roth IRA Contribution Limit - $8,600/year (50 years and older)
  • 401(k) Contribution Limit - $24,500/year (people under 50 years old)
  • 401(k) Contribution Limit - $32,500/year (people 50-59 and 64 and older)
  • 401(k) Contribution Limit - $35,750/year (people age 60-63)
  • Annual income limits to be eligible to contribute pretax to a Traditional IRA and to a Roth IRA have also increased

Many 401(k) plans have the option to make contributions pretax or post-tax. If you have questions on which is best for you, contact us to discuss this further.

Contact us to maximize your retirement contribution opportunity.

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