🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 135 (from laksa053)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa135.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.aarp.org/money/retirement/401k-contribution-limits/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.aarp.org/money/retirement/401k-contribution-limits/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/","crawl_time":1776333197,"first_indexed_time":1738849102,"http_code":200,"src_unparsed":"org,aarp!www,\/money\/retirement\/401k-contribution-limits\/ s443","src_root_hash":"2223325636571181335","history_drop_reason":null,"meta_title":"How Much Can You Contribute to Your 401(k) in 2026?","meta_descriptions":["Here are the latest contribution limits for all employees who participate in 401(k) plans; those aged 50 or older can save more with catch up funds."],"attrs_boilerpipe_text":"A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401[k], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.)\nThanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026.\nSavers younger than 50 will be able to contribute as much as $24,500 to a 401(k) in 2026, up from $23,500 in 2025. Most of those 50 and older will be able to add as much as $8,000 more — up from $7,500 in 2024 — for a maximum contribution of $32,500.\nSavers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional $11,250 in a workplace plan, for a maximum contribution of $35,750. The\nSECURE 2.0 Act\n, a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set.\nThese limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s \nThrift Savings Plan\n.\nThose increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income.\nThe share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics.\nYou can start small\nIf you can’t afford to contribute the maximum, \ninvest what you can\n and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings.\nFor example, suppose you had gross pay of $50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be $96 a pay period, but your pay would fall by only $77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a\ncalculator from Charles Schwab\n.\nIncrease your contribution by one percentage point, to 6 percent, and you’d be saving $115 a month, but your paycheck would fall by $92.\nMany employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement.\nLet’s say you’re 50 years old and you earn $50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have $77,882 in your account when you retire, factoring in a 7 percent annual rate of return.\nNow let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have $116,825 in your account, according to \nAARP’s 401(k) calculator\n.","attrs_markdown":"Javascript is not enabled.\n\nJavascript must be enabled to use this site. Please enable Javascript in your browser and try again.\n\n[Skip to content](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/#aarp-u-end-of-header)\n\n[Watch AARP Live: Identity Fraud: What You Need to Know, April15 at 7:30 PM ET\/6:30 PM CT.](https:\/\/www.aarp.org\/states\/aarplive\/?CMP=OTH-IMM-ALERT_FRD-RFD_TV)\n\n[![AARP Logo Header White 139x36](https:\/\/cdn.aarp.net\/content\/dam\/aarp\/graphics\/aarp_logos\/120x30-aarp-header-logo-red.svg)](https:\/\/www.aarp.org\/?intcmp=GLOBAL-HDR-BTN-CLK-LOGO-UXDIA \"Homepage\")\n\n- [Join](https:\/\/join.aarp.org\/joinnav)\n- [Renew](https:\/\/join.aarp.org\/rfrenew)\n\n- - [Membership & Benefits](https:\/\/www.aarp.org\/membership\/benefits\/all-offers-a-z\/ \"Membership and Benefits\")\n- - [Members Edition](https:\/\/www.aarp.org\/membership\/members-edition\/ \"members edition\")\n\n[AARP Rewards](https:\/\/www.aarp.org\/rewards\/)\n\n[Help](https:\/\/help.aarp.org\/s\/?intcmp=HelpDefaultTest12)\n\n[Register](https:\/\/secure.aarp.org\/applications\/user\/register?promo=MBPHDR)\n\n[Login](https:\/\/secure.aarp.org\/applications\/user\/login \"Login to AARP\")\n\n[Login](https:\/\/secure.aarp.org\/applications\/user\/login \"Login to AARP\")\n\nContent starts here\n\nCLOSE ×\n\nSearch\n\nMoney\n\nAll Topics\n\nEntertainment\n\nHealth\n\nMoney\n\nPolicy & Research\n\nTravel\n\nWork\n\nMember Benefits\n\nCaregiving\n\nGames\n\nRewards\n\nVideos\n\n{\"dropDownLabel\":\"All Topics\",\"dropDownValue\":\"everywhere\"},{\"dropDownLabel\":\"Entertainment\",\"dropDownValue\":\"entertainment\"},{\"dropDownLabel\":\"Health\",\"dropDownValue\":\"health\"},{\"dropDownLabel\":\"Money\",\"dropDownValue\":\"money\"},{\"dropDownLabel\":\"Policy & Research\",\"dropDownValue\":\"research\"},{\"dropDownLabel\":\"Travel\",\"dropDownValue\":\"travel\"},{\"dropDownLabel\":\"Work\",\"dropDownValue\":\"work\"},{\"dropDownLabel\":\"Member Benefits\",\"dropDownValue\":\"member benefits\"},{\"dropDownLabel\":\"Caregiving\",\"dropDownValue\":\"caregiving\"},{\"dropDownLabel\":\"Games\",\"dropDownValue\":\"games\"},{\"dropDownLabel\":\"Rewards\",\"dropDownValue\":\"rewards\"},{\"dropDownLabel\":\"Videos\",\"dropDownValue\":\"videos\"}\n\nSearch\n\nPopular Searches\n\n[Games](https:\/\/www.aarp.org\/games\/)\n\n[Car rental](https:\/\/www.aarp.org\/membership\/benefits\/carrental\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[AARP daily Crossword Puzzle](https:\/\/games.aarp.org\/games\/daily-crossword)\n\n[Hotels with AARP discounts](https:\/\/www.aarp.org\/membership\/benefits\/hotels\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[Life Insurance](https:\/\/www.aarp.org\/membership\/benefits\/insurance\/life\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[AARP Dental 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](https:\/\/cdn.aarp.net\/content\/dam\/experience-fragments\/uxdia-folder-structure\/en\/features\/membership\/header-search-membership-promo\/default\/anonymous\/_jcr_content\/root\/responsivegrid\/container_copy\/container\/articleimage.coreimg.75.1140.png\/content\/dam\/aarp\/uxdia\/icons\/membership-card-with-shadow.png)\n\nAARP Membership — \\$15 for your first year when you sign up for Automatic Renewal\n\nGet instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.\n\n[Join Now](https:\/\/join.aarp.org\/orgisjoin)\n\n[Renew Now](https:\/\/join.aarp.org\/orgisrenew)\n\nCLOSE ×\n\nSearch\n\nAll Topics\n\nAll Topics\n\nEntertainment\n\nHealth\n\nMoney\n\nPolicy & Research\n\nTravel\n\nWork\n\nMember Benefits\n\nCaregiving\n\nGames\n\nRewards\n\nVideos\n\n{\"dropDownLabel\":\"All Topics\",\"dropDownValue\":\"everywhere\"},{\"dropDownLabel\":\"Entertainment\",\"dropDownValue\":\"entertainment\"},{\"dropDownLabel\":\"Health\",\"dropDownValue\":\"health\"},{\"dropDownLabel\":\"Money\",\"dropDownValue\":\"money\"},{\"dropDownLabel\":\"Policy & Research\",\"dropDownValue\":\"research\"},{\"dropDownLabel\":\"Travel\",\"dropDownValue\":\"travel\"},{\"dropDownLabel\":\"Work\",\"dropDownValue\":\"work\"},{\"dropDownLabel\":\"Member Benefits\",\"dropDownValue\":\"member benefits\"},{\"dropDownLabel\":\"Caregiving\",\"dropDownValue\":\"caregiving\"},{\"dropDownLabel\":\"Games\",\"dropDownValue\":\"games\"},{\"dropDownLabel\":\"Rewards\",\"dropDownValue\":\"rewards\"},{\"dropDownLabel\":\"Videos\",\"dropDownValue\":\"videos\"}\n\nSearch\n\nPopular Searches\n\n[Games](https:\/\/www.aarp.org\/games\/)\n\n[Car rental](https:\/\/www.aarp.org\/membership\/benefits\/carrental\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[AARP daily Crossword Puzzle](https:\/\/games.aarp.org\/games\/daily-crossword)\n\n[Hotels with AARP discounts](https:\/\/www.aarp.org\/membership\/benefits\/hotels\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[Life Insurance](https:\/\/www.aarp.org\/membership\/benefits\/insurance\/life\/?intcmp=DSO-HDR-BENEFITS-EWHERE)\n\n[AARP Dental Insurance Plans](https:\/\/www.aarp.org\/membership\/benefits\/insurance\/delta-dental\/)\n\n[Travel](https:\/\/www.aarp.org\/travel\/)\n\nSuggested Links\n\n[Help](https:\/\/help.aarp.org\/s\/)   [Show me my account info](https:\/\/help.aarp.org\/s\/article\/show-me-my-account-info)   [Change my Address](https:\/\/help.aarp.org\/s\/article\/i-want-to-change-my-address)   [How do I contact AARP?](https:\/\/help.aarp.org\/s\/article\/contact-aarp)   [Where is my membership card?](https:\/\/help.aarp.org\/s\/article\/where-is-my-membership-card)   [How do I get a digital card?](https:\/\/help.aarp.org\/s\/article\/how-do-i-access-my-aarp-digital-card-via-aarp-now-app)\n\n![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg)\n\n![Red Membership Card ](https:\/\/cdn.aarp.net\/content\/dam\/experience-fragments\/uxdia-folder-structure\/en\/features\/membership\/header-search-membership-promo\/default\/anonymous\/_jcr_content\/root\/responsivegrid\/container_copy\/container\/articleimage.coreimg.75.1140.png\/content\/dam\/aarp\/uxdia\/icons\/membership-card-with-shadow.png)\n\nAARP Membership — \\$15 for your first year when you sign up for Automatic Renewal\n\nGet instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.\n\n[Join Now](https:\/\/join.aarp.org\/orgisjoin)\n\n[Renew Now](https:\/\/join.aarp.org\/orgisrenew)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![the help 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Rewards %{points}%](https:\/\/www.aarp.org\/rewards\/)\n\n- right\\_container\n- Health\n- Money\n- Work & Jobs\n- Advocacy\n- Social Security\n- Medicare\n- Caregiving\n- Games\n- Travel\n- More...\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Health](https:\/\/www.aarp.org\/health\/ \"link to health page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Healthy Living](https:\/\/www.aarp.org\/health\/healthy-living\/ \"link to healthy living topic page\")\n\n[Conditions & Treatments](https:\/\/www.aarp.org\/health\/conditions-treatments\/ \"Link to conditions and treatment page\")\n\n[Drugs & Supplements](https:\/\/www.aarp.org\/health\/drugs-supplements\/ \"link to drugs and supplements page\")\n\n[Health Care & Coverage](https:\/\/www.aarp.org\/health\/healthcare\/ \"link to health insurance page\")\n\n[Health Benefits](https:\/\/www.aarp.org\/membership\/benefits\/health\/ 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Resources\n\n[Tools and Explainers on Brain Health](https:\/\/www.aarp.org\/health\/brain-health\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![illustration of a woman doing a leg unge in her living room]()](https:\/\/secure.aarp.org\/applications\/user\/programOptIn?promo=RWDFIT&ref=https:\/\/www.aarp.org\/rewards\/earn\/fitness\/30daychallenge\/ \"30-Day Couch-to-Fit Challenge\")\n\nFitness\n\n[30-Day Couch-to-Fit Challenge](https:\/\/secure.aarp.org\/applications\/user\/programOptIn?promo=RWDFIT&ref=https:\/\/www.aarp.org\/rewards\/earn\/fitness\/30daychallenge\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Money](https:\/\/www.aarp.org\/money\/ \"Link to money channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Scams & Fraud](https:\/\/www.aarp.org\/money\/scams-fraud\/ \"link to scams and fraud landing page\")\n\n[Personal Finance](https:\/\/www.aarp.org\/money\/personal-finance\/ \"link to personal finance page\")\n\n[Taxes](https:\/\/www.aarp.org\/money\/taxes\/ \"Link to taxes landing page\")\n\n[Retirement](https:\/\/www.aarp.org\/money\/retirement\/ \"Link to retirement landing page\")\n\n[Money Benefits](https:\/\/www.aarp.org\/membership\/benefits\/finance\/ \"AARP Money Benefits\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/money\/scams-fraud\/tracking-map\/ \"View and Report Scams in Your Area\")\n\nScams & Fraud\n\n[View and Report Scams in Your Area](https:\/\/www.aarp.org\/money\/scams-fraud\/tracking-map\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![top view montage of brightly colored donation coin collection containers that all read, \"Please Give Generously\"]()](https:\/\/www.aarp.org\/money\/personal-finance\/charitable-giving-quiz\/ \"Take the Charitable Giving Quiz\")\n\nGiving Back\n\n[Take the Charitable Giving Quiz](https:\/\/www.aarp.org\/money\/personal-finance\/charitable-giving-quiz\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/money\/retirement\/retirement-calculator\/ \"AARP Retirement Calculator\")\n\nRetirement\n\n[AARP Retirement Calculator](https:\/\/www.aarp.org\/money\/retirement\/retirement-calculator\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/money\/personal-finance\/ways-to-save-at-the-supermarket\/ \"25 Ways to Save at the Grocery Store\")\n\nYour Money\n\n[25 Ways to Save at the Grocery Store](https:\/\/www.aarp.org\/money\/personal-finance\/ways-to-save-at-the-supermarket\/)\n\nMEMBERS ONLY\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Work & Jobs](https:\/\/www.aarp.org\/work\/ \"Link to work and jobs channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Job Search](https:\/\/www.aarp.org\/work\/job-search\/ \"link to job search landing page\")\n\n[Careers](https:\/\/www.aarp.org\/work\/careers\/ \"link to the careers landing page\")\n\n[Small Business](https:\/\/www.aarp.org\/work\/small-business\/ \"link to small business landing page\")\n\n[Employers](https:\/\/www.aarp.org\/work\/employers\/ \"Link to the employers landing page\")\n\n[Age Discrimination](https:\/\/www.aarp.org\/work\/age-discrimination\/ \"Link to the age discrimination landing page\")\n\n[Member Benefits](https:\/\/www.aarp.org\/membership\/benefits\/finance\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/work\/job-search\/indeed-career-services\/ \"Job Search Help from AARP and Indeed\")\n\nFlexible Work\n\n[Job Search Help from AARP and Indeed](https:\/\/www.aarp.org\/work\/job-search\/indeed-career-services\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/work\/skills-builder\/ \"Online Courses to Boost Your Career\")\n\nAARP Skills Builder\n\n[Online Courses to Boost Your Career](https:\/\/www.aarp.org\/work\/skills-builder\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/work\/job-search\/retiree-part-time-jobs\/ \"Part-Time Jobs (No Degree Required!)\")\n\nFlexible Work\n\n[Part-Time Jobs (No Degree Required!)](https:\/\/www.aarp.org\/work\/job-search\/retiree-part-time-jobs\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![a person on a laptop screen with various icons around it]()](https:\/\/virtualevents.aarp.org\/workjobs-hub\/en\/home?utm_medium=dotorg&utm_source=aarp&utm_campaign=workjobs-turnkey-webinar-hubpage-2024&utm_content=evergreen-top-nav&cmp=OTH-IMM-WORKJOBS-WEBINAR-HOUSE_TOPNAV \"Tips to Enhance Your Job Search\")\n\nON-DEMAND WEBINARS\n\n[Tips to Enhance Your Job Search](https:\/\/virtualevents.aarp.org\/workjobs-hub\/en\/home?utm_medium=dotorg&utm_source=aarp&utm_campaign=workjobs-turnkey-webinar-hubpage-2024&utm_content=evergreen-top-nav&cmp=OTH-IMM-WORKJOBS-WEBINAR-HOUSE_TOPNAV)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Advocacy](https:\/\/www.aarp.org\/advocacy\/ \"Link to advocacy channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/medicare\/more-medicare-drug-price-negotiations-2025\/ \"Saving You RX Dollars\")\n\nDrug Prices\n\n[Saving You RX Dollars](https:\/\/www.aarp.org\/medicare\/more-medicare-drug-price-negotiations-2025\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/advocacy\/call-on-congress-protect-social-security-2025\/ \"Fighting to Protect Social Security\")\n\nSocial Security\n\n[Fighting to Protect Social Security](https:\/\/www.aarp.org\/advocacy\/call-on-congress-protect-social-security-2025\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/advocacy\/safeguard-medicaid-2025\/ \"Advocating for Strong Programs\")\n\nMedicare & Medicaid\n\n[Advocating for Strong Programs](https:\/\/www.aarp.org\/advocacy\/safeguard-medicaid-2025\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/advocacy\/100-reasons-support-family-caregivers-2025\/ \"Supporting Family Caregivers\")\n\nCaregiving\n\n[Supporting Family Caregivers](https:\/\/www.aarp.org\/advocacy\/100-reasons-support-family-caregivers-2025\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Social Security](https:\/\/www.aarp.org\/social-security\/)\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/virtualevents.aarp.org\/socialsecurity-hub\/en\/home \"Navigating important Social Security decisions? We Can Help.\")\n\nWebinars\n\n[Navigating important Social Security decisions? We Can Help.](https:\/\/virtualevents.aarp.org\/socialsecurity-hub\/en\/home)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![ask a a r p on a red background]()](https:\/\/www.aarp.org\/ask-aarp\/ \"Ask AARP: AI-powered Tool to Get the Most Out of Social Security\")\n\nTool\n\n[Ask AARP: AI-powered Tool to Get the Most Out of Social Security](https:\/\/www.aarp.org\/ask-aarp\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/social-security\/retirement\/basics\/ \"10 Things You Need to Know About Social Security\")\n\nBasics\n\n[10 Things You Need to Know About Social Security](https:\/\/www.aarp.org\/social-security\/retirement\/basics\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/social-security\/benefits-calculator\/ \"Social Security Benefits Calculator: Maximize Your Benefits\")\n\nTools\n\n[Social Security Benefits Calculator: Maximize Your Benefits](https:\/\/www.aarp.org\/social-security\/benefits-calculator\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Medicare](https:\/\/www.aarp.org\/medicare\/)\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Approaching Medicare](https:\/\/www.aarp.org\/medicare\/approaching-medicare\/ \"Link to approaching medicare pathway overview\")\n\n[Enrolling in Medicare](https:\/\/www.aarp.org\/medicare\/enrolling-medicare\/ \"link to parts of enrolling in medicare pathway overview\")\n\n[Managing Costs & Coverage](https:\/\/www.aarp.org\/medicare\/managing-costs-coverage\/ \"link to managing medicare costs pathway overview\")\n\n[Getting Help](https:\/\/www.aarp.org\/medicare\/getting-help\/ \"link to getting help with medicare series\")\n\n[Latest News](https:\/\/www.aarp.org\/medicare\/latest-news\/ \"link to the latest medicare news\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![Ask A A R P. A I powered help from trusted A A R P sources. Illustration of a man using a laptop]()](https:\/\/www.aarp.org\/ask-aarp\/ \"Ask AARP: AI-powered Tool to Get the Most Out of Medicare \")\n\nTool\n\n[Ask AARP: AI-powered Tool to Get the Most Out of Medicare](https:\/\/www.aarp.org\/ask-aarp\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![illustration of a clipboard with a checklist and medical cross on it]()](https:\/\/navigator.aarp.org\/en_gb\/courses\/course\/17 \"Take This Course to Feel Prepared About Enrolling in Medicare \")\n\nAARP Navigator\n\n[Take This Course to Feel Prepared About Enrolling in Medicare](https:\/\/navigator.aarp.org\/en_gb\/courses\/course\/17)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![a red and white illustration showing a woman in a monitor flanked by a word bubble and a calendar]()](https:\/\/virtualevents.aarp.org\/medicare-hub\/en\/home?cmp=OTH-CSN-LEARN-MULTI-MEDICARE \"Get Answers to Medicare Questions With Our On-demand Webinars \")\n\nOn-Demand Webinars\n\n[Get Answers to Medicare Questions With Our On-demand Webinars](https:\/\/virtualevents.aarp.org\/medicare-hub\/en\/home?cmp=OTH-CSN-LEARN-MULTI-MEDICARE)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![Medical stethoscope and US flag on a pink background signifying advocacy]()](https:\/\/www.aarp.org\/advocacy\/#medicare \"Learn How AARP is Fighting for Better Medicare\")\n\nAdvocacy\n\n[Learn How AARP is Fighting for Better Medicare](https:\/\/www.aarp.org\/advocacy\/#medicare)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Caregiving](https:\/\/www.aarp.org\/caregiving\/ \"Link to caregiving channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"Link to close menu\")\n\n[Basics](https:\/\/www.aarp.org\/caregiving\/basics\/ \"Link to basics laning page\")\n\n[Care at Home](https:\/\/www.aarp.org\/caregiving\/home-care\/ \"Link to care at home landing page\")\n\n[Medical](https:\/\/www.aarp.org\/caregiving\/medical\/ \"Link to medical landing page\")\n\n[Financial & Legal](https:\/\/www.aarp.org\/caregiving\/financial-legal\/ \"Link to the finance and legal landing page\")\n\n[Life Balance](https:\/\/www.aarp.org\/caregiving\/life-balance\/ \"Link to life balance landing page\")\n\n[Local](https:\/\/www.aarp.org\/caregiving\/local\/ \"Link to the local landing page\")\n\n[Member Benefits](https:\/\/www.aarp.org\/membership\/benefits\/caregiving\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![person stands at a door marked with a first aid cross there are a series of many doors and the person is wondering which is the best choice]()](https:\/\/www.aarp.org\/caregiving\/financial-legal\/understanding-long-term-care-insurance\/ \"Understanding Basics of LTC Insurance\")\n\nLONG-TERM CARE\n\n[Understanding Basics of LTC Insurance](https:\/\/www.aarp.org\/caregiving\/financial-legal\/understanding-long-term-care-insurance\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![illustration of a map with an icon of a person helping another person with a cane navigate towards caregiving]()](https:\/\/www.aarp.org\/caregiving\/care-connect\/resources\/ \"Assistance and Services in Your Area\")\n\nState Guides\n\n[Assistance and Services in Your Area](https:\/\/www.aarp.org\/caregiving\/care-connect\/resources\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/caregiving\/prepare-to-care-planning-guide\/ \"How to Develop a Caregiving Plan\")\n\nPrepare to Care Guides\n\n[How to Develop a Caregiving Plan](https:\/\/www.aarp.org\/caregiving\/prepare-to-care-planning-guide\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![Close up of a hospice nurse holding the hands of one of her patients]()](https:\/\/www.aarp.org\/caregiving\/grief-loss-end-of-life\/ \"How to Cope With Grief, Loss\")\n\nEnd of Life\n\n[How to Cope With Grief, Loss](https:\/\/www.aarp.org\/caregiving\/grief-loss-end-of-life\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Games](https:\/\/www.aarp.org\/games\/)\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"Link to close menu\")\n\n[All](https:\/\/www.aarp.org\/games\/category\/all-games\/ \"Link to the AARP All Games landing page\")\n\n[Recently Played](https:\/\/games.aarp.org\/category\/recently-played \"Link to AARP recently played games\")\n\n[Word & Trivia](https:\/\/www.aarp.org\/games\/category\/word\/ \"Link to AARP Games Word and Trivia category landing page\")\n\n[Rewards](https:\/\/www.aarp.org\/games\/category\/rewards-games\/ \"Link to the AARP Games Rewards category landing age\")\n\n[Atari® & Retro](https:\/\/www.aarp.org\/games\/category\/atari-games\/ \"Link to the AARP Games Atari and Retro category landing page\")\n\n[Mahjongg](https:\/\/www.aarp.org\/games\/category\/mahjongg\/ \"Link to the AARP Games Mahjongg category landing page\")\n\n[Members Only](https:\/\/www.aarp.org\/games\/category\/members\/ \"Link to the AARP Games Members Only category landing page\")\n\n[Staying Sharp](https:\/\/www.aarp.org\/games\/category\/staying-sharp\/ \"Link to the AARP Games Staying Sharp category landing page\")\n\n[Solitare](https:\/\/www.aarp.org\/games\/category\/solitaire\/ \"Link to the AARP Games Solitare category landing page\")\n\n[New Games](https:\/\/www.aarp.org\/games\/category\/new\/ \"Link to new games webpage\")\n\n[Strategy](https:\/\/www.aarp.org\/games\/category\/strategy\/ \"Link to the AARP Games Strategy category landing page\")\n\n[Arcade](https:\/\/www.aarp.org\/games\/category\/arcade\/ \"Link to the AARP Games Arcade category landing page\")\n\n[Puzzles](https:\/\/www.aarp.org\/games\/category\/puzzles\/ \"Link to the AARP Games Puzzle category landing page\")\n\n[Card](https:\/\/www.aarp.org\/games\/category\/card\/ \"Link to the AARP Games Card category landing page\")\n\n[Juegos](https:\/\/www.aarp.org\/games\/category\/juegos-espanol\/ \"Link to the AARP Games Juegos category landing page\")\n\n[Daily](https:\/\/www.aarp.org\/games\/category\/daily-games\/ \"Link to the AARP Games Daily category landing page\")\n\n[Game Shows](https:\/\/www.aarp.org\/games\/category\/game-shows\/ \"Learn more about the game show\")\n\n[Multiplayer](https:\/\/www.aarp.org\/games\/category\/multiplayer-games\/ \"Learn more about the multiplayer games\")\n\n[More About Games](https:\/\/www.aarp.org\/games\/more-on-games\/ \"Learn more about A A R P games\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![AARP Right Again Trivia and AARP Rewards]()](https:\/\/games.aarp.org\/games\/right-again-trivia \"Right Again! Trivia\")\n\n[Right Again! Trivia](https:\/\/games.aarp.org\/games\/right-again-trivia)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![AARP Right Again Trivia Sports and AARP Rewards]()](https:\/\/games.aarp.org\/games\/right-again-trivia-sports \"Right Again! Trivia – Sports\")\n\n[Right Again! Trivia – Sports](https:\/\/games.aarp.org\/games\/right-again-trivia-sports)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![Atari, Centipede, Pong, Breakout, Missile Command Asteroids]()](https:\/\/www.aarp.org\/games\/category\/atari-games\/ \"Atari® Video Games\")\n\n[Atari® Video Games](https:\/\/www.aarp.org\/games\/category\/atari-games\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![Throwback Thursday Crossword and AARP Rewards]()](https:\/\/games.aarp.org\/games\/throwback-thursday-crossword \"Throwback Thursday Crossword\")\n\n[Throwback Thursday Crossword](https:\/\/games.aarp.org\/games\/throwback-thursday-crossword)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Travel](https:\/\/www.aarp.org\/travel\/ \"Link to travel channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"Link to close menu\")\n\n[Travel Tips](https:\/\/www.aarp.org\/travel\/travel-tips\/ \"Link to travel tips page\")\n\n[Vacation Ideas](https:\/\/www.aarp.org\/travel\/vacation-ideas\/ \"Link to vacation ideas landing page\")\n\n[Destinations](https:\/\/www.aarp.org\/travel\/destinations\/ \"Link to destinations landing page\")\n\n[Travel Benefits](https:\/\/www.aarp.org\/membership\/benefits\/travel\/ \"AARP Travel Benefits\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/travel\/vacation-ideas\/scenic-spring-road-trips\/ \"Scenic Spring Road Trips\")\n\nSpRing TRAVEL\n\n[Scenic Spring Road Trips](https:\/\/www.aarp.org\/travel\/vacation-ideas\/scenic-spring-road-trips\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/travel\/travel-tips\/fast-free-in-flight-wifi\/ \"Fast, Free Wi-Fi on Airlines\")\n\nIN-FLIGHT WI-FI\n\n[Fast, Free Wi-Fi on Airlines](https:\/\/www.aarp.org\/travel\/travel-tips\/fast-free-in-flight-wifi\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/travel\/destinations\/taste-of-america\/ \"Chefs Dish on Local Food Scene\")\n\nTASTE OF AMERICA\n\n[Chefs Dish on Local Food Scene](https:\/\/www.aarp.org\/travel\/destinations\/taste-of-america\/)\n\nMEMBERS ONLY\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/travel\/travel-tips\/cheap-flights-tips\/ \"11 Tips to Beat Airfare Hikes\")\n\nCHEAP FLIGHT TIPS\n\n[11 Tips to Beat Airfare Hikes](https:\/\/www.aarp.org\/travel\/travel-tips\/cheap-flights-tips\/)\n\n- Entertainment & Style\n- Family & Relationships\n- Personal Tech\n- AARP Smart Picks\n- Home & Living\n- Auto\n- Staying Sharp\n- Podcasts\n- Videos\n- Events\n- AARP Near You\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Entertainment & Style](https:\/\/www.aarp.org\/entertainment\/ \"Link to entertainment channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Movies](https:\/\/www.aarp.org\/entertainment\/movies-for-grownups\/ \"Link to movies laning page\")\n\n[TV](https:\/\/www.aarp.org\/entertainment\/television\/ \"Link to television landing page\")\n\n[Music](https:\/\/www.aarp.org\/entertainment\/music\/ \"Link to the music landing page\")\n\n[Celebrities](https:\/\/www.aarp.org\/entertainment\/celebrities\/ \"Link to the celebrity landing page\")\n\n[Beauty & Style](https:\/\/www.aarp.org\/entertainment\/beauty-style\/ \"Link to beauty and style landing page\")\n\n[Books](https:\/\/www.aarp.org\/entertainment\/books\/ \"Link to books landing page\")\n\n[Member Benefits](https:\/\/www.aarp.org\/membership\/benefits\/entertainment\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/entertainment\/beauty-style\/secrets-of-online-beauty-shoppers\/ \"The Secrets of Online Beauty Shoppers\")\n\nBeauty & Style\n\n[The Secrets of Online Beauty Shoppers](https:\/\/www.aarp.org\/entertainment\/beauty-style\/secrets-of-online-beauty-shoppers\/)\n\nMEMBERS ONLY\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/entertainment\/movies-for-grownups\/movie-preview-2026\/ \"2026 Movie Preview\")\n\nMovies for Grownups\n\n[2026 Movie Preview](https:\/\/www.aarp.org\/entertainment\/movies-for-grownups\/movie-preview-2026\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/entertainment\/music\/essential-songs-for-gen-x\/ \"Essential Songs for Gen Xers\")\n\nMUSIC\n\n[Essential Songs for Gen Xers](https:\/\/www.aarp.org\/entertainment\/music\/essential-songs-for-gen-x\/)\n\nMEMBERS ONLY\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Family & Relationships](https:\/\/www.aarp.org\/family-relationships\/ \"Link to family and relationships landing page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![graphic of a man and a woman with a cherry in their mouths]()](https:\/\/www.aarp.org\/membership\/members-edition\/in-the-mood\/ \"Your Questions Answered\")\n\nSex & Dating\n\n[Your Questions Answered](https:\/\/www.aarp.org\/membership\/members-edition\/in-the-mood\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/caregiving\/grandparents\/ \"Everything You Need to Know\")\n\nGrandparenting\n\n[Everything You Need to Know](https:\/\/www.aarp.org\/caregiving\/grandparents\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/family-relationships\/great-ways-to-bond-with-your-dog\/ \"Great Ways to Bond With Your Dog\")\n\nPets\n\n[Great Ways to Bond With Your Dog](https:\/\/www.aarp.org\/family-relationships\/great-ways-to-bond-with-your-dog\/)\n\nMEMBERS ONLY\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Personal Tech](https:\/\/www.aarp.org\/personal-technology\/ \"link to personal tech landing page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![a tablet displaying smart home controls in a living room]()](https:\/\/www.aarp.org\/personal-technology\/caregiving-smart-home-technology\/ \"Caregiver’s Guide to Smart Home Tech\")\n\nHome Technology\n\n[Caregiver’s Guide to Smart Home Tech](https:\/\/www.aarp.org\/personal-technology\/caregiving-smart-home-technology\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/social-connections\/ \"Creating Social Connections\")\n\nGet Happier\n\n[Creating Social Connections](https:\/\/www.aarp.org\/social-connections\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![a hand is touching computer signals on a blue background]()](https:\/\/www.aarp.org\/personal-technology\/artificial-intelligence\/ \"Weighing the Perils and Positives\")\n\nPOSSIBILITIES OF AI\n\n[Weighing the Perils and Positives](https:\/\/www.aarp.org\/personal-technology\/artificial-intelligence\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[AARP Smart Picks](https:\/\/www.aarp.org\/product-reviews\/)\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/health\/healthy-living\/best-mattress\/ \"The Best Mattresses of 2026: Expert Testing\")\n\nSleep\n\n[The Best Mattresses of 2026: Expert Testing](https:\/\/www.aarp.org\/health\/healthy-living\/best-mattress\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/family-relationships\/best-dating-sites-for-seniors\/ \"The Top Dating Sites for Seniors Compared\")\n\nRelationships\n\n[The Top Dating Sites for Seniors Compared](https:\/\/www.aarp.org\/family-relationships\/best-dating-sites-for-seniors\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/health\/conditions-treatments\/best-blood-pressure-monitors\/ \"Best Blood Pressure Monitors 2026\")\n\nHome Health\n\n[Best Blood Pressure Monitors 2026](https:\/\/www.aarp.org\/health\/conditions-treatments\/best-blood-pressure-monitors\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Home & Living](https:\/\/www.aarp.org\/home-living\/ \"link to your home landing page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/home-living\/fall-prevention-safety-tips\/ \"Tips to Prevent Dangerous Falls\")\n\nSAFE AT HOME\n\n[Tips to Prevent Dangerous Falls](https:\/\/www.aarp.org\/home-living\/fall-prevention-safety-tips\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]()](https:\/\/www.aarp.org\/home-living\/is-over-55-community-right-for-you\/ \"Is a 55+ Community Right for You?\")\n\nAGING IN PLACE\n\n[Is a 55+ Community Right for You?](https:\/\/www.aarp.org\/home-living\/is-over-55-community-right-for-you\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/home-living\/guide-to-getting-rid-of-anything\/ \"What to Do With Your Unwanted Stuff\")\n\nDeclutter\n\n[What to Do With Your Unwanted Stuff](https:\/\/www.aarp.org\/home-living\/guide-to-getting-rid-of-anything\/)\n\nMEMBERS ONLY\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Auto](https:\/\/www.aarp.org\/auto\/ \"Link to auto channel page\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Car Buying](https:\/\/www.aarp.org\/auto\/car-buying\/ \"Link to car buying landing page\")\n\n[Driver Safety](https:\/\/www.aarp.org\/auto\/driver-safety\/ \"Link to driver safety landing page\")\n\n[Maintenance & Safety](https:\/\/www.aarp.org\/auto\/car-maintenance-safety\/ \"Link to maintenance and safety page\")\n\n[Trends & Technology](https:\/\/www.aarp.org\/auto\/trends-technology\/ \"Link to car trends and technology landing page\")\n\n[Member Benefits](https:\/\/www.aarp.org\/membership\/benefits\/auto\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![]() MEMBERS ONLY](https:\/\/www.aarp.org\/auto\/car-buying\/new-car-forever-subscription-fees\/ \"Beware of Subscription Fees\")\n\nCAR BUYING\n\n[Beware of Subscription Fees](https:\/\/www.aarp.org\/auto\/car-buying\/new-car-forever-subscription-fees\/)\n\nMEMBERS ONLY\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![older woman and mother with locked arms walking and talking outside]()](https:\/\/www.aarp.org\/auto\/driver-safety\/we-need-to-talk\/ \"Assess Your Loved One's Driving Skills\")\n\nWe Need To Talk\n\n[Assess Your Loved One's Driving Skills](https:\/\/www.aarp.org\/auto\/driver-safety\/we-need-to-talk\/)\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![AARP]()](https:\/\/www.aarp.org\/auto\/driver-safety\/ \"AARP Smart Driver Course\")\n\nDriver Safety\n\n[AARP Smart Driver Course](https:\/\/www.aarp.org\/auto\/driver-safety\/)\n\n[Back](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\n[Staying Sharp](https:\/\/stayingsharp.aarp.org\/ \"Link to staying sharp website\")\n\n[Close Menu](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/ \"link to close menu\")\n\n[Assessment](https:\/\/stayingsharp.aarp.org\/assessment\/ \"Link to the assesment landing page\")\n\n[Challenges](https:\/\/stayingsharp.aarp.org\/challenges\/ \"Link to challenge landing page\")\n\n[Articles](https:\/\/stayingsharp.aarp.org\/articles\/ \"Link to staying sharp articles landing page\")\n\n[Videos](https:\/\/stayingsharp.aarp.org\/videos\/ \"Link to the staying sharp videos 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A different privacy policy and terms of service will apply.\n\n[Continue](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/) [Cancel](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n\nRetirement Made Easy\n\n[Go to Series Main Page](https:\/\/www.aarp.org\/money\/retirement\/retirement-made-easy\/)\n\n- [![Article Image](https:\/\/cdn.aarp.net\/content\/dam\/aarp\/retirement\/planning-for-retirement\/2021\/06\/1140-work-retire-directions.jpg) Planning 10 Things No One Tells You About Early Retirement 10 Things No One Tells You About Early Retirement](https:\/\/www.aarp.org\/retirement\/planning-for-retirement\/info-2021\/pre-early-retirement-reality-check.html)\n- [![Article Image](https:\/\/cdn.aarp.net\/content\/dam\/aarp\/retirement\/planning-for-retirement\/2023\/05\/1140-painted-ladies-san-fransisco.jpg) Budgeting and Saving Do You Really Need to Save \\$1 Million to Retire? 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Follow These 10 Steps How to prepare now to achieve the lifestyle you want](https:\/\/www.aarp.org\/retirement\/planning-for-retirement\/info-2022\/steps-to-take-before-you-retire.html)\n- [![Article Image](https:\/\/cdn.aarp.net\/content\/dam\/aarp\/retirement\/planning-for-retirement\/2022\/06\/1140-high-angle-adding-up-bills.jpg) Lifestyle 9 Ways You’re Sabotaging Your Retirement Savings These common errors can trip up your retirement plans](https:\/\/www.aarp.org\/retirement\/planning-for-retirement\/info-2022\/checkup-reveals-overspending-nest-egg.html)\n\n[Money](https:\/\/www.aarp.org\/money\/)\n\n# 401(k) Contribution Limits for 2026 vs. 2025\n## Higher contribution limits let you set aside even more for retirement, especially savers ages 60 to 63\n***\nBy\n\nJohn Waggoner,\n\nUpdated  November 14, 2025\n\nAARP\n\n12\n\nComments\n\n[En español](https:\/\/www.aarp.org\/espanol\/jubilacion\/jubilacion-segura\/info-2021\/limite-contribuciones-401k.html)\n\nPublished  November 02, 2023\n\n\/ Updated  November 14, 2025\n\n![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg)\n\n![woman at desk is adding money to a 401K jar](https:\/\/cdn.aarp.net\/content\/dam\/aarpe\/en\/home\/money\/retirement\/401k-contribution-limits\/_jcr_content\/root\/container_main\/container_body_main\/container_body1\/container_body_cf\/container_image\/articlecontentfragment\/cfimage.coreimg.50.932.jpeg\/content\/dam\/aarp\/retirement\/planning-for-retirement\/2021\/11\/1140-401k-money-jar.jpg)\n\nGetty Images\n\n- [Facebook](http:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/)\n- [Twitter](http:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/&related=CreateTheGood&text=401\$k\$%2520Contribution%2520Limits%2520for%25202026%2520vs.%25202025)\n- [LinkedIn](https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/&title=401\$k\$%2520Contribution%2520Limits%2520for%25202026%2520vs.%25202025)\n\nA 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401\\[k\\], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.)\n\nThanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026.\n\n[home-and-family]()\n\n[Get the Must-Read Newsletter for Gen X Women A free, weekly email newsletter celebrating women over 40. Enjoy the best beauty, health, travel, sex, and life tips, all delivered to your inbox every Thursday. Subscribe today\\!](https:\/\/secure.aarp.org\/applications\/user\/login?promo=GF-ACQ&ecmp=GAR&referrer=https:\/\/www.thegirlfriend.com\/subscription-confirmed)\n\nMembers only\n\nSavers younger than 50 will be able to contribute as much as \\$24,500 to a 401(k) in 2026, up from \\$23,500 in 2025. Most of those 50 and older will be able to add as much as \\$8,000 more — up from \\$7,500 in 2024 — for a maximum contribution of \\$32,500.\n\nSavers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \\$11,250 in a workplace plan, for a maximum contribution of \\$35,750. The [SECURE 2.0 Act](https:\/\/www.aarp.org\/money\/retirement\/savers-guide-to-secure-two-point-zero\/ \"secure two point oh retirement savings law\"), a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set.\n\nThese limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s [Thrift Savings Plan](https:\/\/www.aarp.org\/money\/personal-finance\/thrift-savings-plan-options\/ \"TSP options\").\n\nThose increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income.\n\nThe share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics.\n\n### You can start small\nIf you can’t afford to contribute the maximum, [invest what you can](https:\/\/www.aarp.org\/money\/retirement\/never-too-late-to-start-saving\/ \"how to start saving at age fifty\") and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings.\n\nFor example, suppose you had gross pay of \\$50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be \\$96 a pay period, but your pay would fall by only \\$77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a [calculator from Charles Schwab](https:\/\/workplace.schwab.com\/learning-center\/calculators-and-resources\/paycheck-calculator \"charles schwab paycheck calculator\").\n\nIncrease your contribution by one percentage point, to 6 percent, and you’d be saving \\$115 a month, but your paycheck would fall by \\$92.\n\nMany employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement.\n\nLet’s say you’re 50 years old and you earn \\$50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have \\$77,882 in your account when you retire, factoring in a 7 percent annual rate of return.\n\nNow let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have \\$116,825 in your account, according to [AARP’s 401(k) calculator](https:\/\/www.aarp.org\/work\/retirement-planning\/401k_calculator\/ \"AARP's 401(k) calculator\").\n\n[%{postComment}%](https:\/\/www.aarp.org\/money\/retirement\/401k-contribution-limits\/#comments_widget_id)\n\n*Cameron Huddleston contributed to this article.*\n\n*John Waggoner was AARP's money editor from 2019 to 2024, covering everything from budgeting and taxes to retirement planning and Social Security.* *He was previously a reporter for* Kiplinger's Personal Finance *and*  USA Toda*y and has written books on investing and the 2008 financial crisis. Waggoner's* USA Today *investing column ran in dozens of newspapers for 25 years.*\n\nUnlock Access to AARP Members Edition\n\n[Join AARP to Continue](https:\/\/appsec.aarp.org\/mem\/join?campaignID=UBJFMOA23&intcmp=MEM-ONLY-ACCESS)\n\nAlready a Member? 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Max contribution at the age of 64 is \\$32,400. If I get an early leave\/ retirement offer. Can I contribute wages from prior pay to my 401 k?.\n   \n   reply\n   \n   1 reply\n   \n   0\n   \n   share\n   \n   report\n   \n   0\n   \n   0 older replies\n   \n   show older replies\n   \n   - #### Reply by roachme.\n     ro\n     \n     roachme\n     \n     March 12, 2026\n     \n     Reply to DavidM770631\n     \n     Check on your particular company's rules on when and what you can contribute. You have to file a change to your contribution amount with your employer before you are paid the funds. Example, you've been sending \\$400 every 2 weeks to your 401k and you're 20 weeks into the year. You're going to retire at 28 weeks and receive a large vacation and bonus payout of \\$20,000 and you want it all to go to the 401k. It might require you to submit a contribution form to HR that sends 100% of your pay, or \\$20K, to the 401k right before the payment. Pay attention to when the checks are issued because using a percentage change could also snag your last regular paycheck if they are both issued at the same time.\n     \n     Read more\n     \n     reply\n     \n     0\n     \n     share\n     \n     report\n2. #### Comment by JuliaB823821.\n   Ju\n   \n   JuliaB823821\n   \n   February 5, 2026\n   \n   Is the Employer match allowed to be put into a Roth account?\n   \n   reply\n   \n   1 reply\n   \n   0\n   \n   share\n   \n   report\n   \n   0\n   \n   0 older replies\n   \n   show older replies\n   \n   - #### Reply by roachme.\n     ro\n     \n     roachme\n     \n     February 6, 2026\n     \n     Reply to JuliaB823821\n     \n     No because the contribution was not earned by you as part of your income. It is a contribution from the employer earnings. When someone makes Roth 401k contributions from their earnings, the employer match goes into a regular 401k account, or an ESOP account.\n     \n     reply\n     \n     0\n     \n     share\n     \n     report\n3. #### Comment by Chabala1.\n   Ch\n   \n   Chabala1\n   \n   December 22, 2025\n   \n   What about the people \\>63 who are still working full time? In 2026 can they contribute \\$35,750\/per year?\n   \n   Savers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \\$11,250 in a workplace plan, for a maximum contribution of \\$35,750. The SECURE 2.0 Act, a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set.\n   \n   reply\n   \n   0\n   \n   share\n   \n   report\n   \n   0\n   \n   0 older replies\n   \n   show older replies\n4. #### Comment by c121021b.\n   c1\n   \n   c121021b\n   \n   November 30, 2025\n   \n   Also not mentioned, and I was told that the catch up amount over the \\$24,500 for 2026 MUST BE added to a ROTH, after tax contribution. Is that correct? Because if so, the tax sheltering effect of the regular pre-tax 401k is less for 2026 than for 2025. Please ADVISE\\!\n   \n   reply\n   \n   4 replies\n   \n   0\n   \n   share\n   \n   report\n   \n   2\n   \n   2 older replies\n   \n   show older replies\n   \n   - #### Reply by c121021b.\n     c1\n     \n     c121021b\n     \n     January 5, 2026\n     \n     Reply to roachme\n     \n     I think that the original article here should be edited to be more specific about the catch up being only ROTH if the income in 2025 is above 150K. Guess who just barely cracked \\$150K this year? A good problem to have, but still I might have been better taking a vacation starting at \\$149K.\n     \n     reply\n     \n     1 reply\n     \n     0\n     \n     share\n     \n     report\n   - #### Reply by roachme.\n     ro\n     \n     roachme\n     \n     January 6, 2026\n     \n     Reply to c121021b\n     \n     Personally, if I'd had a Roth available to me, I'd rather had all contributions go to a Roth. My tax bracket has done nothing but go up since I started SS, and it will go even higher once I have to start RMDs. Plus, the 10 year rule for inherited IRAs will push my kids into really high brackets when they have to withdraw. I'm trying to send as much to Roth IRA at a lower tax bracket than they will see before my RMDs to reduce the amount of taxes.edited\n     \n     reply\n     \n     0\n     \n     share\n     \n     report\n5. #### Comment by bgsdaughter.\n   bg\n   \n   bgsdaughter\n   \n   November 5, 2024\n   \n   I never made over \\$50,000 a year. But I did save as much as I could. With the economy today, it makes it hard to save anything.\n   \n   reply\n   \n   2\n   \n   share\n   \n   report\n   \n   0\n   \n   0 older replies\n   \n   show older replies\n\nLoad more comments\n\nPowered by\n\n{ \"articlePagePath\" :\"\/content\/aarpe\/en\/home\/money\/retirement\/401k-contribution-limits\", \"aarpId\" : \"142fad1ec8c25900dc2d5a9d16149363\" \"customContainerId\" : \"\" \"limit\" : \"5\" \"paginationLimit\" : \"5\" \"replyLimit\" : \"2\" \"paginationReplyLimit\" : \"5\" \"sort\" : \"\" \"featuredTabActiveThreshold\" : \"5\" }\n\nBenefits Recommended For You\n\n[See All](https:\/\/www.aarp.org\/membership\/benefits\/all-offers-a-z\/ \"See All\")\n\n[![](https:\/\/cdn.aarp.net\/etc\/uxdia\/images\/uxdia-spinner.svg) ![](https:\/\/aarp.widen.net\/content\/c6ryhp6ric\/png\/DBR_AARPRewardsStayEngaged_05302025.png?anchor=0%2C0&color=ffffffff&u=w1npqh) Members only Magazines & Resources AARP Rewards: Stay Engaged Earn AARP Rewards points for doing what you love and 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Elderly](https:\/\/www.aarp.org\/legal-counsel-for-elderly\/?intcmp=GLOBAL-FTR-LNK-CLK-LEGAL_COUNSEL-UXDIA)\n\n- [Sitemap](https:\/\/www.aarp.org\/sitemap\/?intcmp=GLOBAL-FTR-LNK-CLK-SITEMAP-UXDIA \"Sitemap\")\n- [AARP Privacy Hub](https:\/\/www.aarp.org\/privacy\/?intcmp=GLOBAL-FTR-LNK-CLK-PRIVACYPOLICY-UXDIA \"AARP Privacy Hub\")\n- [Terms of Service](https:\/\/www.aarp.org\/about-aarp\/terms-of-service\/?intcmp=GLOBAL-FTR-LNK-CLK-TERMSOFSERVICE-UXDIA \"Terms of Service\")\n- [Accessibility Statement](https:\/\/www.aarp.org\/about-aarp\/accessibility-statement\/?intcmp=GLOBAL-FTR-LNK-CLK-ACCESSIBILITY-UXDIA)\n- [AARP Rewards Terms & Conditions](https:\/\/www.aarp.org\/about-aarp\/rewards-terms-and-conditions\/?intcmp=GLOBAL-FTR-LNK-CLK-REWARDSTERMSCOND-UXDIA \"Rewards Terms and Conditions\")\n- [Copyright Information](https:\/\/www.aarp.org\/about-aarp\/aarp-website-copyright-information\/?intcmp=GLOBAL-FTR-LNK-CLK-COPYRIGHT-UXDIA \"Copyright Information\")\n- [Vulnerability 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Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401\\[k\\], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.)\n\nThanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026.\n\nSavers younger than 50 will be able to contribute as much as \\$24,500 to a 401(k) in 2026, up from \\$23,500 in 2025. Most of those 50 and older will be able to add as much as \\$8,000 more — up from \\$7,500 in 2024 — for a maximum contribution of \\$32,500.\n\nSavers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \\$11,250 in a workplace plan, for a maximum contribution of \\$35,750. The [SECURE 2.0 Act](https:\/\/www.aarp.org\/money\/retirement\/savers-guide-to-secure-two-point-zero\/ \"secure two point oh retirement savings law\"), a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set.\n\nThese limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s [Thrift Savings Plan](https:\/\/www.aarp.org\/money\/personal-finance\/thrift-savings-plan-options\/ \"TSP options\").\n\nThose increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income.\n\nThe share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics.\n\n### You can start small\nIf you can’t afford to contribute the maximum, [invest what you can](https:\/\/www.aarp.org\/money\/retirement\/never-too-late-to-start-saving\/ \"how to start saving at age fifty\") and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings.\n\nFor example, suppose you had gross pay of \\$50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be \\$96 a pay period, but your pay would fall by only \\$77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a [calculator from Charles Schwab](https:\/\/workplace.schwab.com\/learning-center\/calculators-and-resources\/paycheck-calculator \"charles schwab paycheck calculator\").\n\nIncrease your contribution by one percentage point, to 6 percent, and you’d be saving \\$115 a month, but your paycheck would fall by \\$92.\n\nMany employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement.\n\nLet’s say you’re 50 years old and you earn \\$50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have \\$77,882 in your account when you retire, factoring in a 7 percent annual rate of return.\n\nNow let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have \\$116,825 in your account, according to [AARP’s 401(k) calculator](https:\/\/www.aarp.org\/work\/retirement-planning\/401k_calculator\/ \"AARP's 401(k) calculator\").","meta_canonical":null}

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URL	https://www.aarp.org/money/retirement/401k-contribution-limits/
Last Crawled	2026-04-16 09:53:17 (2 days ago)
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Meta Title	How Much Can You Contribute to Your 401(k) in 2026?
Meta Description	Here are the latest contribution limits for all employees who participate in 401(k) plans; those aged 50 or older can save more with catch up funds.
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Boilerpipe Text	A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401[k], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.) Thanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026. Savers younger than 50 will be able to contribute as much as $24,500 to a 401(k) in 2026, up from $23,500 in 2025. Most of those 50 and older will be able to add as much as $8,000 more — up from $7,500 in 2024 — for a maximum contribution of $32,500. Savers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional $11,250 in a workplace plan, for a maximum contribution of $35,750. The SECURE 2.0 Act , a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set. These limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s Thrift Savings Plan . Those increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income. The share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics. You can start small If you can’t afford to contribute the maximum, invest what you can and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings. For example, suppose you had gross pay of $50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be $96 a pay period, but your pay would fall by only $77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a calculator from Charles Schwab . Increase your contribution by one percentage point, to 6 percent, and you’d be saving $115 a month, but your paycheck would fall by $92. Many employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement. Let’s say you’re 50 years old and you earn $50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have $77,882 in your account when you retire, factoring in a 7 percent annual rate of return. Now let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have $116,825 in your account, according to AARP’s 401(k) calculator .
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Follow These 10 Steps How to prepare now to achieve the lifestyle you want](https://www.aarp.org/retirement/planning-for-retirement/info-2022/steps-to-take-before-you-retire.html) - [![Article Image](https://cdn.aarp.net/content/dam/aarp/retirement/planning-for-retirement/2022/06/1140-high-angle-adding-up-bills.jpg) Lifestyle 9 Ways You’re Sabotaging Your Retirement Savings These common errors can trip up your retirement plans](https://www.aarp.org/retirement/planning-for-retirement/info-2022/checkup-reveals-overspending-nest-egg.html) [Money](https://www.aarp.org/money/) # 401(k) Contribution Limits for 2026 vs. 2025 ## Higher contribution limits let you set aside even more for retirement, especially savers ages 60 to 63 *** By John Waggoner, Updated November 14, 2025 AARP 12 Comments [En español](https://www.aarp.org/espanol/jubilacion/jubilacion-segura/info-2021/limite-contribuciones-401k.html) Published November 02, 2023 / Updated November 14, 2025 ![](https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg) ![woman at desk is adding money to a 401K jar](https://cdn.aarp.net/content/dam/aarpe/en/home/money/retirement/401k-contribution-limits/_jcr_content/root/container_main/container_body_main/container_body1/container_body_cf/container_image/articlecontentfragment/cfimage.coreimg.50.932.jpeg/content/dam/aarp/retirement/planning-for-retirement/2021/11/1140-401k-money-jar.jpg) Getty Images - [Facebook](http://www.facebook.com/sharer/sharer.php?u=https://www.aarp.org/money/retirement/401k-contribution-limits/) - [Twitter](http://twitter.com/intent/tweet?url=https://www.aarp.org/money/retirement/401k-contribution-limits/&related=CreateTheGood&text=401$k$%2520Contribution%2520Limits%2520for%25202026%2520vs.%25202025) - [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https://www.aarp.org/money/retirement/401k-contribution-limits/&title=401$k$%2520Contribution%2520Limits%2520for%25202026%2520vs.%25202025) A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401\[k\], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.) Thanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026. [home-and-family]() [Get the Must-Read Newsletter for Gen X Women A free, weekly email newsletter celebrating women over 40. Enjoy the best beauty, health, travel, sex, and life tips, all delivered to your inbox every Thursday. Subscribe today\!](https://secure.aarp.org/applications/user/login?promo=GF-ACQ&ecmp=GAR&referrer=https://www.thegirlfriend.com/subscription-confirmed) Members only Savers younger than 50 will be able to contribute as much as \$24,500 to a 401(k) in 2026, up from \$23,500 in 2025. Most of those 50 and older will be able to add as much as \$8,000 more — up from \$7,500 in 2024 — for a maximum contribution of \$32,500. Savers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \$11,250 in a workplace plan, for a maximum contribution of \$35,750. The [SECURE 2.0 Act](https://www.aarp.org/money/retirement/savers-guide-to-secure-two-point-zero/ "secure two point oh retirement savings law"), a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set. These limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s [Thrift Savings Plan](https://www.aarp.org/money/personal-finance/thrift-savings-plan-options/ "TSP options"). Those increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income. The share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics. ### You can start small If you can’t afford to contribute the maximum, [invest what you can](https://www.aarp.org/money/retirement/never-too-late-to-start-saving/ "how to start saving at age fifty") and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings. For example, suppose you had gross pay of \$50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be \$96 a pay period, but your pay would fall by only \$77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a [calculator from Charles Schwab](https://workplace.schwab.com/learning-center/calculators-and-resources/paycheck-calculator "charles schwab paycheck calculator"). Increase your contribution by one percentage point, to 6 percent, and you’d be saving \$115 a month, but your paycheck would fall by \$92. Many employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement. Let’s say you’re 50 years old and you earn \$50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have \$77,882 in your account when you retire, factoring in a 7 percent annual rate of return. Now let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have \$116,825 in your account, according to [AARP’s 401(k) calculator](https://www.aarp.org/work/retirement-planning/401k_calculator/ "AARP's 401(k) calculator"). [%{postComment}%](https://www.aarp.org/money/retirement/401k-contribution-limits/#comments_widget_id) Cameron Huddleston contributed to this article. John Waggoner was AARP's money editor from 2019 to 2024, covering everything from budgeting and taxes to retirement planning and Social Security. He was previously a reporter for Kiplinger's Personal Finance and USA Today and has written books on investing and the 2008 financial crisis. Waggoner's USA Today investing column ran in dozens of newspapers for 25 years. Unlock Access to AARP Members Edition [Join AARP to Continue](https://appsec.aarp.org/mem/join?campaignID=UBJFMOA23&intcmp=MEM-ONLY-ACCESS) Already a Member? 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Da DavidM770631 March 12, 2026 Cutting to the chase. Max contribution at the age of 64 is \$32,400. If I get an early leave/ retirement offer. Can I contribute wages from prior pay to my 401 k?. reply 1 reply 0 share report 0 0 older replies show older replies - #### Reply by roachme. ro roachme March 12, 2026 Reply to DavidM770631 Check on your particular company's rules on when and what you can contribute. You have to file a change to your contribution amount with your employer before you are paid the funds. Example, you've been sending \$400 every 2 weeks to your 401k and you're 20 weeks into the year. You're going to retire at 28 weeks and receive a large vacation and bonus payout of \$20,000 and you want it all to go to the 401k. It might require you to submit a contribution form to HR that sends 100% of your pay, or \$20K, to the 401k right before the payment. Pay attention to when the checks are issued because using a percentage change could also snag your last regular paycheck if they are both issued at the same time. Read more reply 0 share report 2. #### Comment by JuliaB823821. Ju JuliaB823821 February 5, 2026 Is the Employer match allowed to be put into a Roth account? reply 1 reply 0 share report 0 0 older replies show older replies - #### Reply by roachme. ro roachme February 6, 2026 Reply to JuliaB823821 No because the contribution was not earned by you as part of your income. It is a contribution from the employer earnings. When someone makes Roth 401k contributions from their earnings, the employer match goes into a regular 401k account, or an ESOP account. reply 0 share report 3. #### Comment by Chabala1. Ch Chabala1 December 22, 2025 What about the people \>63 who are still working full time? In 2026 can they contribute \$35,750/per year? Savers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \$11,250 in a workplace plan, for a maximum contribution of \$35,750. The SECURE 2.0 Act, a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set. reply 0 share report 0 0 older replies show older replies 4. #### Comment by c121021b. c1 c121021b November 30, 2025 Also not mentioned, and I was told that the catch up amount over the \$24,500 for 2026 MUST BE added to a ROTH, after tax contribution. Is that correct? Because if so, the tax sheltering effect of the regular pre-tax 401k is less for 2026 than for 2025. Please ADVISE\! reply 4 replies 0 share report 2 2 older replies show older replies - #### Reply by c121021b. c1 c121021b January 5, 2026 Reply to roachme I think that the original article here should be edited to be more specific about the catch up being only ROTH if the income in 2025 is above 150K. Guess who just barely cracked \$150K this year? A good problem to have, but still I might have been better taking a vacation starting at \$149K. reply 1 reply 0 share report - #### Reply by roachme. ro roachme January 6, 2026 Reply to c121021b Personally, if I'd had a Roth available to me, I'd rather had all contributions go to a Roth. My tax bracket has done nothing but go up since I started SS, and it will go even higher once I have to start RMDs. Plus, the 10 year rule for inherited IRAs will push my kids into really high brackets when they have to withdraw. I'm trying to send as much to Roth IRA at a lower tax bracket than they will see before my RMDs to reduce the amount of taxes.edited reply 0 share report 5. #### Comment by bgsdaughter. bg bgsdaughter November 5, 2024 I never made over \$50,000 a year. But I did save as much as I could. 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Readable Markdown	A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401\[k\], which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.) Thanks to some recent adjustments by the Internal Revenue Service, you can build that nest egg even bigger in 2026. Savers younger than 50 will be able to contribute as much as \$24,500 to a 401(k) in 2026, up from \$23,500 in 2025. Most of those 50 and older will be able to add as much as \$8,000 more — up from \$7,500 in 2024 — for a maximum contribution of \$32,500. Savers ages 60, 61, 62 and 63 have a higher catch-up cap. Those in this group can stash an additional \$11,250 in a workplace plan, for a maximum contribution of \$35,750. The [SECURE 2.0 Act](https://www.aarp.org/money/retirement/savers-guide-to-secure-two-point-zero/ "secure two point oh retirement savings law"), a 2022 federal law designed to promote retirement saving, included a provision boosting the catch-up limit for the 60-63 set. These limits apply to other retirement plans, such as 403(b) plans for employees of public schools and some nonprofit organizations; 457(b) plans offered by some state and local governments and nonprofits; and the federal government’s [Thrift Savings Plan](https://www.aarp.org/money/personal-finance/thrift-savings-plan-options/ "TSP options"). Those increases are good news for retirement savers. As pensions become less common, especially in the private sector, most workers will rely on the proceeds of their retirement savings, plus Social Security, for the bulk of their retirement income. The share of private-sector workers with a traditional plan has fallen by half over the past 30 years, from 28 percent in 1995 to 14 percent in 2025, according to data from the U.S Bureau of Labor Statistics. ### You can start small If you can’t afford to contribute the maximum, [invest what you can](https://www.aarp.org/money/retirement/never-too-late-to-start-saving/ "how to start saving at age fifty") and then try to increase that amount each year. You may find that putting pretax money into a 401(k) doesn’t affect your paycheck as much as you’d think, because of the tax savings. For example, suppose you had gross pay of \$50,000 a year and got paid every two weeks. If you contributed 5 percent of your salary to a 401(k) plan, your contribution would be \$96 a pay period, but your pay would fall by only \$77, assuming your federal tax rate was 15 percent and state and local tax rate was 5 percent, according to a [calculator from Charles Schwab](https://workplace.schwab.com/learning-center/calculators-and-resources/paycheck-calculator "charles schwab paycheck calculator"). Increase your contribution by one percentage point, to 6 percent, and you’d be saving \$115 a month, but your paycheck would fall by \$92. Many employers match 401(k) contributions, which is essentially free money — and can make a big difference in the amount of money in your account at retirement. Let’s say you’re 50 years old and you earn \$50,000, you put 5 percent of your salary a year into your 401(k), and you get 3 percent raises each year until you retire at 65. You’ll have \$77,882 in your account when you retire, factoring in a 7 percent annual rate of return. Now let’s say your employer matches 50 percent of your contribution, up to 5 percent of your salary. You’ll have \$116,825 in your account, according to [AARP’s 401(k) calculator](https://www.aarp.org/work/retirement-planning/401k_calculator/ "AARP's 401(k) calculator").
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