🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 148 (from laksa004)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa148.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.investopedia.com/retirement/401k-contribution-limits/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.investopedia.com/retirement/401k-contribution-limits/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/","crawl_time":1775469235,"first_indexed_time":1512683198,"http_code":200,"src_unparsed":"com,investopedia!www,\/retirement\/401k-contribution-limits\/ s443","src_root_hash":"7273739457760125548","history_drop_reason":null,"meta_title":"401(k) Contribution Limits for 2025 vs. 2026","meta_descriptions":["Employees could contribute up to $23,500 to their 401(k) retirement savings plans for tax year 2025. For tax year 2026, employees can contribute up to $24,500."],"attrs_boilerpipe_text":"Though a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute.\nEach fall, the\nInternal Revenue Service (IRS)\nreviews and sometimes adjusts the contribution limits for 401(k) plans, \nindividual retirement accounts (IRAs)\n, and other retirement savings vehicles.\nKey Takeaways\nEmployees can contribute up to $24,500 to their\n401(k) plan\nfor 2026 vs. $23,500 for 2025.\nIndividuals aged 50 or older are eligible for an additional\ncatch-up contribution\nof $8,000 in 2026, up from $7,500 in 2025.\nThe limit on total employer and employee contributions for 2026 is $72,000 ($80,000 with catch-up).\nThe limit on total employer and employee contributions for 2025 was $70,000 ($77,500 with catch-up).\nGet personalized, AI-powered answers built on 27+ years of trusted expertise.\nBasic Limits\nThe basic employee contribution limit for 2026 is $24,500 ($23,500 for 2025). This limit includes all\nelective employee salary deferrals\nand any contributions made to a \ndesignated Roth account\n within your 401(k) or to a\nRoth 401(k)\nplan.\n1\n \nIf you are over age 50, the catch-up contribution is $8,000 in 2026, up from $7,500 in 2025. That's a total of $32,500 (vs. $31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute $11,250 instead of $8,000.\n1\nThe same contribution limits apply to\n403(b) plans\nand most\n457 plans\n, as well as to the federal government’s\nThrift Savings Plan\n.\n2\nIf you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that $24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for\nSIMPLE IRAs\n), do not affect your 401(k) contribution limit.\n3\nAfter-Tax Contributions\nIf you have extra funds to sock away and your company offers an\nafter-tax\n401(k) contribution option, you can contribute more.\n4\nIn 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is $72,000 ($80,000 if you're 50 or older, or $83,250 if you're 60, 61, 62, or 63). In 2025, the limit was $70,000 ($77,500 for those 50 or older).\n1\nImportant\nTo help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit.\n5\nEmployer Contributions\nAnother big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many\nemployers match employee contributions\nby adding, for example, 50 cents or one dollar for every dollar the employee contributes.\nEmployers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is $72,000. When you include the $8,000 catch-up contribution, that limit becomes $80,000. Or if you're 60, 61, 62, or 63, the limit is $83,250.\n1\nThe limit on total employer and employee contributions for 2025 was $70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was $77,500, which included the $7,500 catch-up contribution.\n1\n6\nLimits for Highly Paid Employees\nIf you earn a high salary, you may be considered a \nhighly compensated employee (HCE)\n, subject to more stringent\ncontribution limits\n. To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the \nactual deferral percentage (ADP) test\nto ensure that employees of all compensation levels participate proportionately in their companies' plans.\nIf non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted.\n7\nContributions in Excess of Annual Limits\nEvaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15.\n8\nComparing 2025 and 2026 Limits\nThe chart below provides a breakdown of how the rules and limits for\ndefined-contribution plans\n (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026.\n1\n6\n* The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies.\n9\nHow Often Does the IRS Change 401(k) Contribution Limits?\nThe IRS typically makes an annual adjustment to contribution limits to reflect the effects of\ninflation\n.\n6\nHow Much More Can I Contribute to My 401(k) for 2026 Compared to 2025?\nFor the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is $24,500. That is $1000 more than you were allowed to contribute in 2025.\n1\nHas the IRS Increased Catch-Up Amounts for 2026?\nYes, the IRS increased the catch-up amount for those 50 years old to $8,000 in 2026. For the tax year 2025, it was $7,500.\n1\nThe Bottom Line\nEvery year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans.\nFor 2026, that amount is $24,500, with a catch-up contribution of $8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional $11,250 instead of $8,000. For 2025, the maximum contribution amounts were $23,500 and $7,500 for catch-up contributions.\n1\nMake the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of\nemployer-matching contributions\n, if they're offered, to boost your retirement savings each year.","attrs_markdown":"\n\n[Skip to content](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#main)\n\n[Investopedia](https:\/\/www.investopedia.com\/)\n\n[Trade](https:\/\/www.investopedia.com\/simulator\/?inv_to_sim=global_nav)\n\n- Please fill out this field.\n- [Newsletters](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n\nPlease fill out this field.\n\n- [News](https:\/\/www.investopedia.com\/news-4427706)\n  News\n  \n  - [Markets](https:\/\/www.investopedia.com\/markets-news-4427704)\n  - [Companies](https:\/\/www.investopedia.com\/company-news-4427705)\n  - [Earnings](https:\/\/www.investopedia.com\/earnings-reports-5218419)\n  - [CD Rates](https:\/\/www.investopedia.com\/certificates-deposit-news-7111770)\n  - [Mortgage Rates](https:\/\/www.investopedia.com\/mortgage-rates-5184598)\n  - [Economy](https:\/\/www.investopedia.com\/economic-news-5218422)\n  - 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[View All](https:\/\/www.investopedia.com\/personal-finance-4427760)\n- [Economy](https:\/\/www.investopedia.com\/economy-4689801)\n  - [Government and Policy](https:\/\/www.investopedia.com\/government-and-policy-4689793)\n  - [Monetary Policy](https:\/\/www.investopedia.com\/monetary-policy-4689792)\n  - [Fiscal Policy](https:\/\/www.investopedia.com\/fiscal-policy-4689796)\n  - [Economics](https:\/\/www.investopedia.com\/economics-4689800)\n  - [View All](https:\/\/www.investopedia.com\/economy-4689801)\n- [Reviews](https:\/\/www.investopedia.com\/financial-product-reviews-7110783)\n  - [Best Online Brokers](https:\/\/www.investopedia.com\/best-online-brokers-4587872)\n  - [Best Crypto Exchanges](https:\/\/www.investopedia.com\/best-crypto-exchanges-5071855)\n  - [Best Savings Rates](https:\/\/www.investopedia.com\/high-yield-savings-accounts-4770633)\n  - [Best CD Rates](https:\/\/www.investopedia.com\/best-cd-rates-4770214)\n  - [Best Life Insurance](https:\/\/www.investopedia.com\/the-best-life-insurance-companies-8763666)\n  - [Best Mortgage Rates](https:\/\/www.investopedia.com\/mortgage-rates-5094943)\n  - [Best Robo-Advisors](https:\/\/www.investopedia.com\/the-best-robo-advisors-8764849)\n  - [Best Personal Loans](https:\/\/www.investopedia.com\/the-best-personal-loans-8761582)\n  - [Best Debt Relief Companies](https:\/\/www.investopedia.com\/the-best-debt-relief-companies-8763179)\n  - [View All](https:\/\/www.investopedia.com\/financial-product-reviews-7110783)\n\nTable of Contents\n\nExpand\n\nTable of Contents\n\n- [Basic Limits](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-basic-limits)\n- [After-Tax Contributions](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-after-tax-contributions)\n- [Employer Contributions](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-employer-contributions)\n- [Limits for Highly Paid Employees](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-limits-for-highly-paid-employees)\n- [Excess Contributions](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-contributions-in-excess-of-annual-limits)\n- [Comparing 2025 and 2026 Limits](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-comparing-2025-and-2026-limits)\n- [FAQs](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-how-often-does-the-irs-change-401k-contribution-limits)\n- [The Bottom Line](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/#toc-the-bottom-line)\n\n# 401(k) Contribution Limits for 2025 vs. 2026\nHere's how much you and your employer can contribute to your account\n\nBy\n\n[Adam Hayes](https:\/\/www.investopedia.com\/contributors\/53677\/)\n\n![]()\n\n![](https:\/\/www.investopedia.com\/thmb\/VjCy-aSbHESoB0F95ExxZrgXxZA=\/200x200\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/adam_hayes-5bfc262a46e0fb005118b414.jpg)\n\n[Full Bio](https:\/\/www.investopedia.com\/contributors\/53677\/)\n\nAdam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and behavioral finance. Adam received his master's in economics from The New School for Social Research and his Ph.D. from the University of Wisconsin-Madison in sociology. He is a CFA charterholder as well as holding FINRA Series 7, 55 & 63 licenses. He currently researches and teaches economic sociology and the social studies of finance at the University of Lucerne in Switzerland.Adam's new book, \"Irrational Together: The Social Forces That Invisibly Shape Our Economic Behavior\" (University of Chicago Press) is a must-read at the intersection of behavioral economics and sociology that reshapes how we think about the social underpinnings of our financial choices.\n\nLearn about our  [editorial policies](https:\/\/www.investopedia.com\/legal-4768893#editorial-policy)\n\nUpdated November 13, 2025\n\nReviewed by\n\n[David Kindness](https:\/\/www.investopedia.com\/david-kindness-4799933)\n\n![David Kindness]()\n\n![David Kindness](https:\/\/www.investopedia.com\/thmb\/b4nIEkyeNBpifKx8ZXToLtW7fWQ=\/200x200\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/david-kindness-cpa-headshot1-beab5f883dec4a11af658fd86cb9009c.jpg)\n\nReviewed by David Kindness\n\n[Full Bio](https:\/\/www.investopedia.com\/david-kindness-4799933)\n\nDavid Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning. David has helped thousands of clients improve their accounting and financial systems, create budgets, and minimize their taxes.\n\nLearn about our  [Financial Review Board](https:\/\/www.investopedia.com\/investopedia-financial-review-board-5076269)\n\nFact checked by\n\n[Vikki Velasquez](https:\/\/www.investopedia.com\/vikki-velasquez-5198872)\n\n![Vikkie Velasquez]()\n\n![Vikkie Velasquez](https:\/\/www.investopedia.com\/thmb\/qsiqwN4603qvBBcEmwBBFAZ7h-8=\/200x200\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/vikki-velasquez-investopedia-portrait-1-18b989d75f1f4d6d9b5b3a47cb3ffc5f.jpg)\n\nFact checked by Vikki Velasquez\n\n[Full Bio](https:\/\/www.investopedia.com\/vikki-velasquez-5198872)\n\nVikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues and has also revised and edited educational materials for the Greater Richmond area.\n\nLearn about our  [editorial policies](https:\/\/www.investopedia.com\/legal-4768893#editorial-policy)\n\nPart of the Series\n\n401(k) Plans: The Complete Guide\n\n[401(k) Plans: What Are They, How They Work](https:\/\/www.investopedia.com\/terms\/1\/401kplan.asp)\n\nWhat Is It?\n\n1. [Beginner's Guide to 401(k) Types](https:\/\/www.investopedia.com\/beginners-guide-to-types-of-401-k-s-5323549)\n2. [The Rules of a 401(k) Retirement Plan](https:\/\/www.investopedia.com\/articles\/retirement\/08\/401k-info.asp)\n3. [Is a 401(k) Worth It?](https:\/\/www.investopedia.com\/articles\/retirement\/11\/6-problems-with-401k-plans.asp)\n4. [Are 401(k)s FDIC-Insured?](https:\/\/www.investopedia.com\/ask\/answers\/090115\/why-my-401k-not-fdicinsured.asp)\n5. [401(k) Age Limits: Can You Be Too Young for One?](https:\/\/www.investopedia.com\/401k-age-limits-too-young-5323754)\n\n401(k)s at Work\n\n1. [How Much Should I Contribute to My 401(k)?](https:\/\/www.investopedia.com\/articles\/retirement\/082716\/your-401k-whats-ideal-contribution.asp)\n2. [401(k) Contribution Limits](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n   CURRENT ARTICLE\n3. [How 401(k) Matching Works](https:\/\/www.investopedia.com\/articles\/personal-finance\/112315\/how-401k-matching-works.asp)\n4. [What Is a Good 401(k) Match? How It Works and What's the Average](https:\/\/www.investopedia.com\/articles\/personal-finance\/120315\/what-good-401k-match.asp)\n5. [Vesting: What It Is and How It Works](https:\/\/www.investopedia.com\/terms\/v\/vesting.asp)\n6. [My Employer Doesn't Offer a 401(k). Should I Care?](https:\/\/www.investopedia.com\/articles\/personal-finance\/101415\/my-employer-doesnt-offer-401k-should-i-care.asp)\n\nWhen Changing Jobs\n\n1. [When You Leave Your Job](https:\/\/www.investopedia.com\/articles\/personal-finance\/112315\/what-happens-401k-after-you-leave-your-job.asp)\n2. [Why Might Your 401(k) Be Unavailable After You Leave a Job](https:\/\/www.investopedia.com\/articles\/investing\/092216\/why-would-your-401k-be-unavailable-after-your-leave-job.asp)\n3. [How to Transfer a 401(k) to a New Employer](https:\/\/www.investopedia.com\/articles\/personal-finance\/092415\/guide-rollover-401k-new-employer.asp)\n\nTips and Tricks\n\n1. [401(k) or IRA: Get Both](https:\/\/www.investopedia.com\/ask\/answers\/07\/401\$k\$_ira.asp)\n2. [Top 7 Reasons to Roll Over Your 401(k) to an IRA](https:\/\/www.investopedia.com\/articles\/personal-finance\/071715\/8-reasons-roll-over-your-401k-ira.asp)\n3. [Are Contributions Tax Deductible?](https:\/\/www.investopedia.com\/ask\/answers\/112515\/are-401k-contributions-tax-deductible.asp)\n4. [Can My 401(k) be Garnished or Seized?](https:\/\/www.investopedia.com\/ask\/answers\/090915\/can-my-401k-be-seized-or-garnished.asp)\n5. [What Your 401(k) Could Look Like in the Next 20 Years](https:\/\/www.investopedia.com\/articles\/personal-finance\/120115\/what-your-401k-can-look-next-20-years.asp)\n\n![An older couple reviews documents at a table.](https:\/\/www.investopedia.com\/thmb\/Fnj8lgHW-DVh0tQ7AsQVgdu9tPM=\/1500x0\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/oldercouple-1de8fddbb2494228b15c8edb4a693efa.jpg)\n\n![An older couple reviews documents at a table.](https:\/\/www.investopedia.com\/thmb\/Fnj8lgHW-DVh0tQ7AsQVgdu9tPM=\/1500x0\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/oldercouple-1de8fddbb2494228b15c8edb4a693efa.jpg)\n\nInside Creative House \/ Getty Images\n\nClose\n\nThough a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute.\n\nEach fall, the [Internal Revenue Service (IRS)](https:\/\/www.investopedia.com\/terms\/i\/irs.asp) reviews and sometimes adjusts the contribution limits for 401(k) plans, [individual retirement accounts (IRAs)](https:\/\/www.investopedia.com\/terms\/i\/ira.asp), and other retirement savings vehicles.\n\n### Key Takeaways\n- Employees can contribute up to \\$24,500 to their [401(k) plan](https:\/\/www.investopedia.com\/terms\/1\/401kplan.asp) for 2026 vs. \\$23,500 for 2025.\n- Individuals aged 50 or older are eligible for an additional [catch-up contribution](https:\/\/www.investopedia.com\/401k-catch-up-contributions-5499024) of \\$8,000 in 2026, up from \\$7,500 in 2025.\n- The limit on total employer and employee contributions for 2026 is \\$72,000 (\\$80,000 with catch-up).\n- The limit on total employer and employee contributions for 2025 was \\$70,000 (\\$77,500 with catch-up).\n\nGet personalized, AI-powered answers built on 27+ years of trusted expertise.\n\nASK\n## Basic Limits\nThe basic employee contribution limit for 2026 is \\$24,500 (\\$23,500 for 2025). This limit includes all [elective employee salary deferrals](https:\/\/www.investopedia.com\/terms\/e\/electivedeferralcontribution.asp) and any contributions made to a [designated Roth account](https:\/\/www.investopedia.com\/terms\/d\/designated-roth-account.asp) within your 401(k) or to a [Roth 401(k)](https:\/\/www.investopedia.com\/terms\/r\/roth401k.asp) plan.1\n\nIf you are over age 50, the catch-up contribution is \\$8,000 in 2026, up from \\$7,500 in 2025. That's a total of \\$32,500 (vs. \\$31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute \\$11,250 instead of \\$8,000.1\n\nThe same contribution limits apply to [403(b) plans](https:\/\/www.investopedia.com\/terms\/1\/403bplan.asp) and most [457 plans](https:\/\/www.investopedia.com\/terms\/1\/457plan.asp), as well as to the federal government’s [Thrift Savings Plan](https:\/\/www.investopedia.com\/terms\/t\/thrift_savings_plan.asp).2\n\nIf you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that \\$24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for [SIMPLE IRAs](https:\/\/www.investopedia.com\/terms\/s\/simple-ira.asp)), do not affect your 401(k) contribution limit.3\n\nTake the Next Step to Invest\n\nAdvertiser Disclosure\n\n×\n\nThe offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace.\n## After-Tax Contributions\nIf you have extra funds to sock away and your company offers an [after-tax](https:\/\/www.investopedia.com\/terms\/a\/aftertaxcontribution.asp) 401(k) contribution option, you can contribute more.4 In 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is \\$72,000 (\\$80,000 if you're 50 or older, or \\$83,250 if you're 60, 61, 62, or 63). In 2025, the limit was \\$70,000 (\\$77,500 for those 50 or older).1\n\n### Important\nTo help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit.5\n## Employer Contributions\nAnother big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many [employers match employee contributions](https:\/\/www.investopedia.com\/terms\/m\/matchingcontribution.asp) by adding, for example, 50 cents or one dollar for every dollar the employee contributes.\n\nEmployers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is \\$72,000. When you include the \\$8,000 catch-up contribution, that limit becomes \\$80,000. Or if you're 60, 61, 62, or 63, the limit is \\$83,250.1\n\nThe limit on total employer and employee contributions for 2025 was \\$70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was \\$77,500, which included the \\$7,500 catch-up contribution.16\n\n## Limits for Highly Paid Employees\nIf you earn a high salary, you may be considered a [highly compensated employee (HCE)](https:\/\/www.investopedia.com\/terms\/h\/highly-compensated-employee.asp), subject to more stringent [contribution limits](https:\/\/www.investopedia.com\/income-limits-401ks-highly-compensated-employees-5509365). To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the [actual deferral percentage (ADP) test](https:\/\/www.investopedia.com\/terms\/a\/actual-deferral-percentage-actual-contribution-percentage.asp) to ensure that employees of all compensation levels participate proportionately in their companies' plans.\n\nIf non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted.7\n\n## Contributions in Excess of Annual Limits\nEvaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15.8\n\n## Comparing 2025 and 2026 Limits\nThe chart below provides a breakdown of how the rules and limits for [defined-contribution plans](https:\/\/www.investopedia.com\/terms\/d\/definedcontributionplan.asp) (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026.16\n\n\\* The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies.9\n\n## How Often Does the IRS Change 401(k) Contribution Limits?\nThe IRS typically makes an annual adjustment to contribution limits to reflect the effects of [inflation](https:\/\/www.investopedia.com\/terms\/i\/inflation.asp).6\n\n## How Much More Can I Contribute to My 401(k) for 2026 Compared to 2025?\nFor the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is \\$24,500. That is \\$1000 more than you were allowed to contribute in 2025.1\n\n## Has the IRS Increased Catch-Up Amounts for 2026?\nYes, the IRS increased the catch-up amount for those 50 years old to \\$8,000 in 2026. For the tax year 2025, it was \\$7,500.1\n## The Bottom Line\nEvery year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans.\n\nFor 2026, that amount is \\$24,500, with a catch-up contribution of \\$8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional \\$11,250 instead of \\$8,000. For 2025, the maximum contribution amounts were \\$23,500 and \\$7,500 for catch-up contributions.1\n\nMake the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of [employer-matching contributions](https:\/\/www.investopedia.com\/articles\/personal-finance\/120315\/what-good-401k-match.asp), if they're offered, to boost your retirement savings each year.\n\nGet personalized, AI-powered answers built on 27+ years of trusted expertise.\n\n- [Why does the IRS adjust retirement contribution limits annually for inflation?](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n- [How do 401(k) funds protect from creditors under ERISA?](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n- [How can I maximize my employer 401(k) matching contributions?](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n\nASK\n\nArticle Sources\n\nInvestopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our [editorial policy.](https:\/\/www.investopedia.com\/legal-4768893#EditorialPolicy)\n\n1. Internal Revenue Service. \"[401(k) Limit Increases to \\$24,500 for 2026, IRA Limit Increases to \\$7,500](https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500).\"\n2. Internal Revenue Service. \"[COLA Increases for Dollar Limitations on Benefits and Contributions](https:\/\/www.irs.gov\/retirement-plans\/cola-increases-for-dollar-limitations-on-benefits-and-contributions).\"\n3. Internal Revenue Service. \"[How Much Salary Can You Defer if You’re Eligible for More than One Retirement Plan?](https:\/\/www.irs.gov\/retirement-plans\/how-much-salary-can-you-defer-if-youre-eligible-for-more-than-one-retirement-plan)\"\n4. CNBC. \"[More Companies Are Offering an After-Tax 401(k) Option to Big Savers. Here's How to Use It](https:\/\/www.cnbc.com\/2022\/06\/10\/more-companies-are-offering-an-after-tax-401k-option-for-big-savers.html).\"\n5. Internal Revenue Service. \"[Retirement Topics - Catch-Up Contributions](https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-catch-up-contributions).\"\n6. Internal Revenue Service. \"[2026 Limitations Adjusted as Provided in Section 415(d), etc.; Notice 2025-67](https:\/\/www.irs.gov\/pub\/irs-drop\/n-25-67.pdf),\" Page 1.\n7. Internal Revenue Service. \"[401(k) Plan Fix-It Guide - The Plan Failed the 401(k) ADP and ACP Nondiscrimination Tests](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-fix-it-guide-the-plan-failed-the-401k-adp-and-acp-nondiscrimination-tests).\"\n8. Internal Revenue Service. \"[401(k) Plan Fix-It Guide - Elective Deferrals Weren't Limited to the Amounts Under IRC Section 402(g) for the Calendar Year and Excesses Weren't Distributed](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-fix-it-guide-elective-deferrals-exceeded-code-402g-limits-for-the-calendar-year-and-excesses-were-not-distributed).\"\n9. Internal Revenue Service. \"[Issue Snapshot - 401(k) Plan Catch-up Contribution Eligibility](https:\/\/www.irs.gov\/retirement-plans\/401k-plan-catch-up-contribution-eligibility).\"\n\nCompare Accounts\n\nAdvertiser Disclosure\n\n×\n\nThe offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace.\n\nPart of the Series\n\n401(k) Plans: The Complete Guide\n\n[401(k) Plans: What Are They, How They Work](https:\/\/www.investopedia.com\/terms\/1\/401kplan.asp)\n\nWhat Is It?\n\n1. [Beginner's Guide to 401(k) Types](https:\/\/www.investopedia.com\/beginners-guide-to-types-of-401-k-s-5323549)\n2. [The Rules of a 401(k) Retirement Plan](https:\/\/www.investopedia.com\/articles\/retirement\/08\/401k-info.asp)\n3. [Is a 401(k) Worth It?](https:\/\/www.investopedia.com\/articles\/retirement\/11\/6-problems-with-401k-plans.asp)\n4. [Are 401(k)s FDIC-Insured?](https:\/\/www.investopedia.com\/ask\/answers\/090115\/why-my-401k-not-fdicinsured.asp)\n5. [401(k) Age Limits: Can You Be Too Young for One?](https:\/\/www.investopedia.com\/401k-age-limits-too-young-5323754)\n\n401(k)s at Work\n\n1. [How Much Should I Contribute to My 401(k)?](https:\/\/www.investopedia.com\/articles\/retirement\/082716\/your-401k-whats-ideal-contribution.asp)\n2. [401(k) Contribution Limits](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n   CURRENT ARTICLE\n3. [How 401(k) Matching Works](https:\/\/www.investopedia.com\/articles\/personal-finance\/112315\/how-401k-matching-works.asp)\n4. [What Is a Good 401(k) Match? How It Works and What's the Average](https:\/\/www.investopedia.com\/articles\/personal-finance\/120315\/what-good-401k-match.asp)\n5. [Vesting: What It Is and How It Works](https:\/\/www.investopedia.com\/terms\/v\/vesting.asp)\n6. [My Employer Doesn't Offer a 401(k). Should I Care?](https:\/\/www.investopedia.com\/articles\/personal-finance\/101415\/my-employer-doesnt-offer-401k-should-i-care.asp)\n\nWhen Changing Jobs\n\n1. [When You Leave Your Job](https:\/\/www.investopedia.com\/articles\/personal-finance\/112315\/what-happens-401k-after-you-leave-your-job.asp)\n2. [Why Might Your 401(k) Be Unavailable After You Leave a Job](https:\/\/www.investopedia.com\/articles\/investing\/092216\/why-would-your-401k-be-unavailable-after-your-leave-job.asp)\n3. [How to Transfer a 401(k) to a New Employer](https:\/\/www.investopedia.com\/articles\/personal-finance\/092415\/guide-rollover-401k-new-employer.asp)\n\nTips and Tricks\n\n1. [401(k) or IRA: Get Both](https:\/\/www.investopedia.com\/ask\/answers\/07\/401\$k\$_ira.asp)\n2. [Top 7 Reasons to Roll Over Your 401(k) to an IRA](https:\/\/www.investopedia.com\/articles\/personal-finance\/071715\/8-reasons-roll-over-your-401k-ira.asp)\n3. [Are Contributions Tax Deductible?](https:\/\/www.investopedia.com\/ask\/answers\/112515\/are-401k-contributions-tax-deductible.asp)\n4. [Can My 401(k) be Garnished or Seized?](https:\/\/www.investopedia.com\/ask\/answers\/090915\/can-my-401k-be-seized-or-garnished.asp)\n5. [What Your 401(k) Could Look Like in the Next 20 Years](https:\/\/www.investopedia.com\/articles\/personal-finance\/120115\/what-your-401k-can-look-next-20-years.asp)\n\nRead more\n\n- [Personal Finance](https:\/\/www.investopedia.com\/personal-finance-4427760)\n- [Retirement Planning](https:\/\/www.investopedia.com\/retirement-planning-4689695)\n- [401(k)](https:\/\/www.investopedia.com\/401k-4689694)\n\nPartner Links\n\n## Related Articles\n[![A retired couple celebrate at the kitchen table after reviewing the balance of their retirement annuity account.](https:\/\/www.investopedia.com\/thmb\/SNOAFUNPBglttRMS9hh2fIO2Yjo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/ValuationPeriodGettyImages-1820110435-730c215d9838486ebdcd5b131cf0d451.jpg) ![A retired couple celebrate at the kitchen table after reviewing the balance of their retirement annuity account.](https:\/\/www.investopedia.com\/thmb\/SNOAFUNPBglttRMS9hh2fIO2Yjo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/ValuationPeriodGettyImages-1820110435-730c215d9838486ebdcd5b131cf0d451.jpg) Boost Retirement Savings: Contribute to 401(k) and IRA](https:\/\/www.investopedia.com\/ask\/answers\/07\/401\$k\$_ira.asp)\n\n[![Person with glasses working on a laptop](https:\/\/www.investopedia.com\/thmb\/xGJ2HbC4cFgWlgsCo8K24USTGho=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1438209904-91c7585c3e5a4c099bceb303b5f622cc.jpg) ![Person with glasses working on a laptop](https:\/\/www.investopedia.com\/thmb\/xGJ2HbC4cFgWlgsCo8K24USTGho=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1438209904-91c7585c3e5a4c099bceb303b5f622cc.jpg) Do 401(k) Withdrawals Affect Your Social Security Payments?](https:\/\/www.investopedia.com\/articles\/personal-finance\/103015\/can-your-401k-impact-your-social-security-benefits.asp)\n\n[![Image](https:\/\/www.investopedia.com\/thmb\/pTf6lqUeRt11Y_uchm_5wKwK-3c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/dotdash_Final_4_Reasons_to_Borrow_From_Your_401k_Apr_2020-011-476fff8e835242c39a99ce76c52e8764.jpg) ![Image](https:\/\/www.investopedia.com\/thmb\/pTf6lqUeRt11Y_uchm_5wKwK-3c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/dotdash_Final_4_Reasons_to_Borrow_From_Your_401k_Apr_2020-011-476fff8e835242c39a99ce76c52e8764.jpg) 401(k) Loans: When to Borrow and Key Rules Explained](https:\/\/www.investopedia.com\/articles\/retirement\/08\/borrow-from-401k-loan.asp)\n\n[![Business people negotiating a contract](https:\/\/www.investopedia.com\/thmb\/_Qvqoyjik4VLMPVy4h9T4BaR7b0=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1211622412-89335a9d887449fa9ebc191efaef2405.jpg) ![Business people negotiating a contract](https:\/\/www.investopedia.com\/thmb\/_Qvqoyjik4VLMPVy4h9T4BaR7b0=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1211622412-89335a9d887449fa9ebc191efaef2405.jpg) Retirement Savings Without a 401(k): Top Alternatives Explored](https:\/\/www.investopedia.com\/articles\/personal-finance\/101415\/my-employer-doesnt-offer-401k-should-i-care.asp)\n\n[![Two mature women shopping at an outdoor food market. ](https:\/\/www.investopedia.com\/thmb\/qNDmFReGXqhJMqJjXo40GV-CyGc=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1438233969-08b4f322bd6f4c04b75978968d305bd5.jpg) ![Two mature women shopping at an outdoor food market. ](https:\/\/www.investopedia.com\/thmb\/qNDmFReGXqhJMqJjXo40GV-CyGc=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1438233969-08b4f322bd6f4c04b75978968d305bd5.jpg) 401(k) Retirement Taxes: Traditional vs. Roth Explained](https:\/\/www.investopedia.com\/articles\/personal-finance\/061915\/how-your-401k-taxed-when-you-retire.asp)\n\n[![Interior of a home that looks destroyed. Man kneels with a crowbar in the distance. ](https:\/\/www.investopedia.com\/thmb\/uhFaZHWmjX21x3XHyFY82puAR_c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-965984216-db5535ed40824b0cb900e606dfd9c997.jpg) ![Interior of a home that looks destroyed. Man kneels with a crowbar in the distance. ](https:\/\/www.investopedia.com\/thmb\/uhFaZHWmjX21x3XHyFY82puAR_c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-965984216-db5535ed40824b0cb900e606dfd9c997.jpg) 401(k) Hardship Withdrawal: Steps, Eligibility, and Tax Effects](https:\/\/www.investopedia.com\/retirement\/relief-401k-hardship-withdrawals\/)\n\n[![A woman stands in her kitchen reading a statement](https:\/\/www.investopedia.com\/thmb\/5tFTHPYKZGevnpv61PrvbA5Wg58=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/whathappenstoyour401k-0f021d65ca8b458f95d961790bb41cc0.jpg) ![A woman stands in her kitchen reading a statement](https:\/\/www.investopedia.com\/thmb\/5tFTHPYKZGevnpv61PrvbA5Wg58=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/whathappenstoyour401k-0f021d65ca8b458f95d961790bb41cc0.jpg) Options for Managing Your 401(k) After Leaving Your Job](https:\/\/www.investopedia.com\/articles\/personal-finance\/112315\/what-happens-401k-after-you-leave-your-job.asp)\n\n[![Colleagues in an office](https:\/\/www.investopedia.com\/thmb\/Q300vRjqdCHCyi5NS_N6M_C9BwM=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-2103894533-4ed3c4c49a334b2e8e7f31033984a0f7.jpg) ![Colleagues in an office](https:\/\/www.investopedia.com\/thmb\/Q300vRjqdCHCyi5NS_N6M_C9BwM=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-2103894533-4ed3c4c49a334b2e8e7f31033984a0f7.jpg) Roth 401(k) Withdrawal Rules: Key Guidelines](https:\/\/www.investopedia.com\/ask\/answers\/101314\/what-are-roth-401k-withdrawal-rules.asp)\n\n[![A person seated on a sofa using a laptop surrounded by a cozy interior with bookshelves](https:\/\/www.investopedia.com\/thmb\/BPw2oUvqD5GTZPKGh9K3cOjp7kk=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/401k-damircudic-38bfb514ec88430088c370d5792b1249.jpg) ![A person seated on a sofa using a laptop surrounded by a cozy interior with bookshelves](https:\/\/www.investopedia.com\/thmb\/BPw2oUvqD5GTZPKGh9K3cOjp7kk=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/401k-damircudic-38bfb514ec88430088c370d5792b1249.jpg) Are You Behind on Your 401(k)? 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home](https:\/\/www.investopedia.com\/thmb\/g4C1iHcWAKQt31y1JlZOyv-ICHM=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1298373292-f055be5e350a48e5adcd8ece5bc571b1.jpg) ![woman doing taxes at home](https:\/\/www.investopedia.com\/thmb\/g4C1iHcWAKQt31y1JlZOyv-ICHM=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1298373292-f055be5e350a48e5adcd8ece5bc571b1.jpg) 10 Strategies to Lower Taxes on 401(k) Withdrawals](https:\/\/www.investopedia.com\/articles\/personal-finance\/062615\/10-little-known-ways-reduce-your-401k-taxes.asp)\n\n[![People working on laptops in a shared workspace](https:\/\/www.investopedia.com\/thmb\/Lo6TctN0swlalkQxYpUD15rQBZo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1938012400-32d84bf1158f4909a9ec1ec16641f635.jpg) ![People working on laptops in a shared workspace](https:\/\/www.investopedia.com\/thmb\/Lo6TctN0swlalkQxYpUD15rQBZo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1938012400-32d84bf1158f4909a9ec1ec16641f635.jpg) Gen Z 401(k) Balances Compared to Older Generations Reveal Surprising Trends in Retirement Savings](https:\/\/www.investopedia.com\/how-gen-z-s-401-k-balance-measures-against-other-generations-today-11932174)\n\n[![Three individuals seated at a table engaging in a discussion over a tablet device](https:\/\/www.investopedia.com\/thmb\/fpm_h8ZnGt9ZZ68Nz7hYQ5rQOAs=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/retirementplannews0-1000-ee16d37a8cd2464e97acfe9cba1bcecc.jpg) ![Three individuals seated at a table engaging in a discussion over a tablet device](https:\/\/www.investopedia.com\/thmb\/fpm_h8ZnGt9ZZ68Nz7hYQ5rQOAs=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/retirementplannews0-1000-ee16d37a8cd2464e97acfe9cba1bcecc.jpg) Why Many Are Losing Thousands in Retirement Because of These 401(k) Funds](https:\/\/www.investopedia.com\/why-many-are-losing-thousands-in-retirement-because-of-these-401-k-funds-11932530)\n\n[![Two people bicycling on a rural road with open fields in the background](https:\/\/www.investopedia.com\/thmb\/tdyaq2usEHfAKr9Jr1WwAHfrozo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1333831685-e1de89a346b24ac086c882363db7555a.jpg) ![Two people bicycling on a rural road with open fields in the background](https:\/\/www.investopedia.com\/thmb\/tdyaq2usEHfAKr9Jr1WwAHfrozo=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1333831685-e1de89a346b24ac086c882363db7555a.jpg) How Long Will Your 401(k) Last? 5 Key Risks Every Investor Must Understand](https:\/\/www.investopedia.com\/how-long-will-your-401-k-last-5-key-risks-every-investor-must-understand-11929179)\n\n[![A person seated at a table with a laptop smiling while engaged in a conversation another person blurred in the foreground](https:\/\/www.investopedia.com\/thmb\/WXogCpED9H0xKIHc4X4vyy06V-c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1647062483-bb7d12861e9444a78745250171a5ebc8.jpg) ![A person seated at a table with a laptop smiling while engaged in a conversation another person blurred in the foreground](https:\/\/www.investopedia.com\/thmb\/WXogCpED9H0xKIHc4X4vyy06V-c=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/GettyImages-1647062483-bb7d12861e9444a78745250171a5ebc8.jpg) Gen Z 401(k) Balances Compared to Older Generations Reveal Surprising Trends in Retirement Savings](https:\/\/www.investopedia.com\/gen-z-401-k-balances-compared-to-older-generations-reveal-surprising-trends-in-retirement-savings-11930306)\n\n[![](https:\/\/www.investopedia.com\/thmb\/kcE0hPQ13fx4kDNtL9-0FeuYjbQ=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/thinkstockphotos480070051-5bfc3b50c9e77c00263487c5.jpg) ![](https:\/\/www.investopedia.com\/thmb\/kcE0hPQ13fx4kDNtL9-0FeuYjbQ=\/282x188\/filters:no_upscale\$\$:max_bytes\$150000\$:strip_icc\$\$\/thinkstockphotos480070051-5bfc3b50c9e77c00263487c5.jpg) Is Vanguard the Best Choice for Managing Your 401(k)?](https:\/\/www.investopedia.com\/articles\/personal-finance\/010716\/should-you-let-your-401k-be-managed-vanguard.asp)\n\n[Investopedia](https:\/\/www.investopedia.com\/)\n\n[Newsletter Sign Up](https:\/\/www.investopedia.com\/retirement\/401k-contribution-limits\/)\n\nFollow Us\n\n- [News](https:\/\/www.investopedia.com\/news-4427706)\n- [Investing](https:\/\/www.investopedia.com\/investing-4427685)\n- [Simulator](https:\/\/www.investopedia.com\/simulator\/?inv_to_sim=global_nav)\n- [Banking](https:\/\/www.investopedia.com\/banking-4427754)\n- [Personal Finance](https:\/\/www.investopedia.com\/personal-finance-4427760)\n- [Economy](https:\/\/www.investopedia.com\/economy-4689801)\n- 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[E](https:\/\/www.investopedia.com\/terms-beginning-with-e-4769355)\n- [F](https:\/\/www.investopedia.com\/terms-beginning-with-f-4769356)\n- [G](https:\/\/www.investopedia.com\/terms-beginning-with-g-4769357)\n- [H](https:\/\/www.investopedia.com\/terms-beginning-with-h-4769358)\n- [I](https:\/\/www.investopedia.com\/terms-beginning-with-i-4769359)\n- [J](https:\/\/www.investopedia.com\/terms-beginning-with-j-4769360)\n- [K](https:\/\/www.investopedia.com\/terms-beginning-with-k-4769361)\n- [L](https:\/\/www.investopedia.com\/terms-beginning-with-l-4769362)\n- [M](https:\/\/www.investopedia.com\/terms-beginning-with-m-4769363)\n- [N](https:\/\/www.investopedia.com\/terms-beginning-with-n-4769364)\n- [O](https:\/\/www.investopedia.com\/terms-beginning-with-o-4769365)\n- [P](https:\/\/www.investopedia.com\/terms-beginning-with-p-4769366)\n- [Q](https:\/\/www.investopedia.com\/terms-beginning-with-q-4769367)\n- [R](https:\/\/www.investopedia.com\/terms-beginning-with-r-4769368)\n- [S](https:\/\/www.investopedia.com\/terms-beginning-with-s-4769369)\n- [T](https:\/\/www.investopedia.com\/terms-beginning-with-t-4769370)\n- [U](https:\/\/www.investopedia.com\/terms-beginning-with-u-4769371)\n- [V](https:\/\/www.investopedia.com\/terms-beginning-with-v-4769372)\n- [W](https:\/\/www.investopedia.com\/terms-beginning-with-w-4769373)\n- [X](https:\/\/www.investopedia.com\/terms-beginning-with-x-4769374)\n- [Y](https:\/\/www.investopedia.com\/terms-beginning-with-y-4769375)\n- [Z](https:\/\/www.investopedia.com\/terms-beginning-with-z-4769376)\n\nInvestopedia is part of the [People Inc.](https:\/\/www.people.inc\/) publishing family.\n\nNewsletter Sign Up\n\nNewsletter Sign Up","attrs_readable_markdown":"Though a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute.\n\nEach fall, the [Internal Revenue Service (IRS)](https:\/\/www.investopedia.com\/terms\/i\/irs.asp) reviews and sometimes adjusts the contribution limits for 401(k) plans, [individual retirement accounts (IRAs)](https:\/\/www.investopedia.com\/terms\/i\/ira.asp), and other retirement savings vehicles.\n\n### Key Takeaways\n- Employees can contribute up to \\$24,500 to their [401(k) plan](https:\/\/www.investopedia.com\/terms\/1\/401kplan.asp) for 2026 vs. \\$23,500 for 2025.\n- Individuals aged 50 or older are eligible for an additional [catch-up contribution](https:\/\/www.investopedia.com\/401k-catch-up-contributions-5499024) of \\$8,000 in 2026, up from \\$7,500 in 2025.\n- The limit on total employer and employee contributions for 2026 is \\$72,000 (\\$80,000 with catch-up).\n- The limit on total employer and employee contributions for 2025 was \\$70,000 (\\$77,500 with catch-up).\n\nGet personalized, AI-powered answers built on 27+ years of trusted expertise.\n## Basic Limits\nThe basic employee contribution limit for 2026 is \\$24,500 (\\$23,500 for 2025). This limit includes all [elective employee salary deferrals](https:\/\/www.investopedia.com\/terms\/e\/electivedeferralcontribution.asp) and any contributions made to a [designated Roth account](https:\/\/www.investopedia.com\/terms\/d\/designated-roth-account.asp) within your 401(k) or to a [Roth 401(k)](https:\/\/www.investopedia.com\/terms\/r\/roth401k.asp) plan.1\n\nIf you are over age 50, the catch-up contribution is \\$8,000 in 2026, up from \\$7,500 in 2025. That's a total of \\$32,500 (vs. \\$31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute \\$11,250 instead of \\$8,000.1\n\nThe same contribution limits apply to [403(b) plans](https:\/\/www.investopedia.com\/terms\/1\/403bplan.asp) and most [457 plans](https:\/\/www.investopedia.com\/terms\/1\/457plan.asp), as well as to the federal government’s [Thrift Savings Plan](https:\/\/www.investopedia.com\/terms\/t\/thrift_savings_plan.asp).2\n\nIf you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that \\$24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for [SIMPLE IRAs](https:\/\/www.investopedia.com\/terms\/s\/simple-ira.asp)), do not affect your 401(k) contribution limit.3\n\n## After-Tax Contributions\nIf you have extra funds to sock away and your company offers an [after-tax](https:\/\/www.investopedia.com\/terms\/a\/aftertaxcontribution.asp) 401(k) contribution option, you can contribute more.4 In 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is \\$72,000 (\\$80,000 if you're 50 or older, or \\$83,250 if you're 60, 61, 62, or 63). In 2025, the limit was \\$70,000 (\\$77,500 for those 50 or older).1\n\n### Important\nTo help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit.5\n## Employer Contributions\nAnother big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many [employers match employee contributions](https:\/\/www.investopedia.com\/terms\/m\/matchingcontribution.asp) by adding, for example, 50 cents or one dollar for every dollar the employee contributes.\n\nEmployers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is \\$72,000. When you include the \\$8,000 catch-up contribution, that limit becomes \\$80,000. Or if you're 60, 61, 62, or 63, the limit is \\$83,250.1\n\nThe limit on total employer and employee contributions for 2025 was \\$70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was \\$77,500, which included the \\$7,500 catch-up contribution.16\n\n## Limits for Highly Paid Employees\nIf you earn a high salary, you may be considered a [highly compensated employee (HCE)](https:\/\/www.investopedia.com\/terms\/h\/highly-compensated-employee.asp), subject to more stringent [contribution limits](https:\/\/www.investopedia.com\/income-limits-401ks-highly-compensated-employees-5509365). To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the [actual deferral percentage (ADP) test](https:\/\/www.investopedia.com\/terms\/a\/actual-deferral-percentage-actual-contribution-percentage.asp) to ensure that employees of all compensation levels participate proportionately in their companies' plans.\n\nIf non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted.7\n\n## Contributions in Excess of Annual Limits\nEvaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15.8\n\n## Comparing 2025 and 2026 Limits\nThe chart below provides a breakdown of how the rules and limits for [defined-contribution plans](https:\/\/www.investopedia.com\/terms\/d\/definedcontributionplan.asp) (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026.16\n\n\\* The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies.9\n\n## How Often Does the IRS Change 401(k) Contribution Limits?\nThe IRS typically makes an annual adjustment to contribution limits to reflect the effects of [inflation](https:\/\/www.investopedia.com\/terms\/i\/inflation.asp).6\n\n## How Much More Can I Contribute to My 401(k) for 2026 Compared to 2025?\nFor the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is \\$24,500. That is \\$1000 more than you were allowed to contribute in 2025.1\n\n## Has the IRS Increased Catch-Up Amounts for 2026?\nYes, the IRS increased the catch-up amount for those 50 years old to \\$8,000 in 2026. For the tax year 2025, it was \\$7,500.1\n## The Bottom Line\nEvery year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans.\n\nFor 2026, that amount is \\$24,500, with a catch-up contribution of \\$8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional \\$11,250 instead of \\$8,000. For 2025, the maximum contribution amounts were \\$23,500 and \\$7,500 for catch-up contributions.1\n\nMake the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of [employer-matching contributions](https:\/\/www.investopedia.com\/articles\/personal-finance\/120315\/what-good-401k-match.asp), if they're offered, to boost your retirement savings each year.","meta_canonical":null}

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URL	https://www.investopedia.com/retirement/401k-contribution-limits/
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Meta Title	401(k) Contribution Limits for 2025 vs. 2026
Meta Description	Employees could contribute up to $23,500 to their 401(k) retirement savings plans for tax year 2025. For tax year 2026, employees can contribute up to $24,500.
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Boilerpipe Text	Though a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute. Each fall, the Internal Revenue Service (IRS) reviews and sometimes adjusts the contribution limits for 401(k) plans, individual retirement accounts (IRAs) , and other retirement savings vehicles. Key Takeaways Employees can contribute up to $24,500 to their 401(k) plan for 2026 vs. $23,500 for 2025. Individuals aged 50 or older are eligible for an additional catch-up contribution of $8,000 in 2026, up from $7,500 in 2025. The limit on total employer and employee contributions for 2026 is $72,000 ($80,000 with catch-up). The limit on total employer and employee contributions for 2025 was $70,000 ($77,500 with catch-up). Get personalized, AI-powered answers built on 27+ years of trusted expertise. Basic Limits The basic employee contribution limit for 2026 is $24,500 ($23,500 for 2025). This limit includes all elective employee salary deferrals and any contributions made to a designated Roth account within your 401(k) or to a Roth 401(k) plan. 1 If you are over age 50, the catch-up contribution is $8,000 in 2026, up from $7,500 in 2025. That's a total of $32,500 (vs. $31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute $11,250 instead of $8,000. 1 The same contribution limits apply to 403(b) plans and most 457 plans , as well as to the federal government’s Thrift Savings Plan . 2 If you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that $24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for SIMPLE IRAs ), do not affect your 401(k) contribution limit. 3 After-Tax Contributions If you have extra funds to sock away and your company offers an after-tax 401(k) contribution option, you can contribute more. 4 In 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is $72,000 ($80,000 if you're 50 or older, or $83,250 if you're 60, 61, 62, or 63). In 2025, the limit was $70,000 ($77,500 for those 50 or older). 1 Important To help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit. 5 Employer Contributions Another big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many employers match employee contributions by adding, for example, 50 cents or one dollar for every dollar the employee contributes. Employers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is $72,000. When you include the $8,000 catch-up contribution, that limit becomes $80,000. Or if you're 60, 61, 62, or 63, the limit is $83,250. 1 The limit on total employer and employee contributions for 2025 was $70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was $77,500, which included the $7,500 catch-up contribution. 1 6 Limits for Highly Paid Employees If you earn a high salary, you may be considered a highly compensated employee (HCE) , subject to more stringent contribution limits . To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the actual deferral percentage (ADP) test to ensure that employees of all compensation levels participate proportionately in their companies' plans. If non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted. 7 Contributions in Excess of Annual Limits Evaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15. 8 Comparing 2025 and 2026 Limits The chart below provides a breakdown of how the rules and limits for defined-contribution plans (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026. 1 6 * The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies. 9 How Often Does the IRS Change 401(k) Contribution Limits? The IRS typically makes an annual adjustment to contribution limits to reflect the effects of inflation . 6 How Much More Can I Contribute to My 401(k) for 2026 Compared to 2025? For the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is $24,500. That is $1000 more than you were allowed to contribute in 2025. 1 Has the IRS Increased Catch-Up Amounts for 2026? Yes, the IRS increased the catch-up amount for those 50 years old to $8,000 in 2026. For the tax year 2025, it was $7,500. 1 The Bottom Line Every year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans. For 2026, that amount is $24,500, with a catch-up contribution of $8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional $11,250 instead of $8,000. For 2025, the maximum contribution amounts were $23,500 and $7,500 for catch-up contributions. 1 Make the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of employer-matching contributions , if they're offered, to boost your retirement savings each year.
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[Excess Contributions](https://www.investopedia.com/retirement/401k-contribution-limits/#toc-contributions-in-excess-of-annual-limits) - [Comparing 2025 and 2026 Limits](https://www.investopedia.com/retirement/401k-contribution-limits/#toc-comparing-2025-and-2026-limits) - [FAQs](https://www.investopedia.com/retirement/401k-contribution-limits/#toc-how-often-does-the-irs-change-401k-contribution-limits) - [The Bottom Line](https://www.investopedia.com/retirement/401k-contribution-limits/#toc-the-bottom-line) # 401(k) Contribution Limits for 2025 vs. 2026 Here's how much you and your employer can contribute to your account By [Adam Hayes](https://www.investopedia.com/contributors/53677/) ![]() ![](https://www.investopedia.com/thmb/VjCy-aSbHESoB0F95ExxZrgXxZA=/200x200/filters:no_upscale:max_bytes$150000$:strip_icc/adam_hayes-5bfc262a46e0fb005118b414.jpg) [Full Bio](https://www.investopedia.com/contributors/53677/) Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and behavioral finance. Adam received his master's in economics from The New School for Social Research and his Ph.D. from the University of Wisconsin-Madison in sociology. He is a CFA charterholder as well as holding FINRA Series 7, 55 & 63 licenses. He currently researches and teaches economic sociology and the social studies of finance at the University of Lucerne in Switzerland.Adam's new book, "Irrational Together: The Social Forces That Invisibly Shape Our Economic Behavior" (University of Chicago Press) is a must-read at the intersection of behavioral economics and sociology that reshapes how we think about the social underpinnings of our financial choices. Learn about our [editorial policies](https://www.investopedia.com/legal-4768893#editorial-policy) Updated November 13, 2025 Reviewed by [David Kindness](https://www.investopedia.com/david-kindness-4799933) ![David Kindness]() ![David Kindness](https://www.investopedia.com/thmb/b4nIEkyeNBpifKx8ZXToLtW7fWQ=/200x200/filters:no_upscale:max_bytes$150000$:strip_icc/david-kindness-cpa-headshot1-beab5f883dec4a11af658fd86cb9009c.jpg) Reviewed by David Kindness [Full Bio](https://www.investopedia.com/david-kindness-4799933) David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning. David has helped thousands of clients improve their accounting and financial systems, create budgets, and minimize their taxes. Learn about our [Financial Review Board](https://www.investopedia.com/investopedia-financial-review-board-5076269) Fact checked by [Vikki Velasquez](https://www.investopedia.com/vikki-velasquez-5198872) ![Vikkie Velasquez]() ![Vikkie Velasquez](https://www.investopedia.com/thmb/qsiqwN4603qvBBcEmwBBFAZ7h-8=/200x200/filters:no_upscale:max_bytes$150000$:strip_icc/vikki-velasquez-investopedia-portrait-1-18b989d75f1f4d6d9b5b3a47cb3ffc5f.jpg) Fact checked by Vikki Velasquez [Full Bio](https://www.investopedia.com/vikki-velasquez-5198872) Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues and has also revised and edited educational materials for the Greater Richmond area. Learn about our [editorial policies](https://www.investopedia.com/legal-4768893#editorial-policy) Part of the Series 401(k) Plans: The Complete Guide [401(k) Plans: What Are They, How They Work](https://www.investopedia.com/terms/1/401kplan.asp) What Is It? 1. [Beginner's Guide to 401(k) Types](https://www.investopedia.com/beginners-guide-to-types-of-401-k-s-5323549) 2. [The Rules of a 401(k) Retirement Plan](https://www.investopedia.com/articles/retirement/08/401k-info.asp) 3. [Is a 401(k) Worth It?](https://www.investopedia.com/articles/retirement/11/6-problems-with-401k-plans.asp) 4. [Are 401(k)s FDIC-Insured?](https://www.investopedia.com/ask/answers/090115/why-my-401k-not-fdicinsured.asp) 5. [401(k) Age Limits: Can You Be Too Young for One?](https://www.investopedia.com/401k-age-limits-too-young-5323754) 401(k)s at Work 1. [How Much Should I Contribute to My 401(k)?](https://www.investopedia.com/articles/retirement/082716/your-401k-whats-ideal-contribution.asp) 2. [401(k) Contribution Limits](https://www.investopedia.com/retirement/401k-contribution-limits/) CURRENT ARTICLE 3. [How 401(k) Matching Works](https://www.investopedia.com/articles/personal-finance/112315/how-401k-matching-works.asp) 4. [What Is a Good 401(k) Match? How It Works and What's the Average](https://www.investopedia.com/articles/personal-finance/120315/what-good-401k-match.asp) 5. [Vesting: What It Is and How It Works](https://www.investopedia.com/terms/v/vesting.asp) 6. [My Employer Doesn't Offer a 401(k). Should I Care?](https://www.investopedia.com/articles/personal-finance/101415/my-employer-doesnt-offer-401k-should-i-care.asp) When Changing Jobs 1. [When You Leave Your Job](https://www.investopedia.com/articles/personal-finance/112315/what-happens-401k-after-you-leave-your-job.asp) 2. [Why Might Your 401(k) Be Unavailable After You Leave a Job](https://www.investopedia.com/articles/investing/092216/why-would-your-401k-be-unavailable-after-your-leave-job.asp) 3. [How to Transfer a 401(k) to a New Employer](https://www.investopedia.com/articles/personal-finance/092415/guide-rollover-401k-new-employer.asp) Tips and Tricks 1. [401(k) or IRA: Get Both](https://www.investopedia.com/ask/answers/07/401$k$_ira.asp) 2. [Top 7 Reasons to Roll Over Your 401(k) to an IRA](https://www.investopedia.com/articles/personal-finance/071715/8-reasons-roll-over-your-401k-ira.asp) 3. [Are Contributions Tax Deductible?](https://www.investopedia.com/ask/answers/112515/are-401k-contributions-tax-deductible.asp) 4. [Can My 401(k) be Garnished or Seized?](https://www.investopedia.com/ask/answers/090915/can-my-401k-be-seized-or-garnished.asp) 5. [What Your 401(k) Could Look Like in the Next 20 Years](https://www.investopedia.com/articles/personal-finance/120115/what-your-401k-can-look-next-20-years.asp) ![An older couple reviews documents at a table.](https://www.investopedia.com/thmb/Fnj8lgHW-DVh0tQ7AsQVgdu9tPM=/1500x0/filters:no_upscale:max_bytes$150000$:strip_icc/oldercouple-1de8fddbb2494228b15c8edb4a693efa.jpg) ![An older couple reviews documents at a table.](https://www.investopedia.com/thmb/Fnj8lgHW-DVh0tQ7AsQVgdu9tPM=/1500x0/filters:no_upscale:max_bytes$150000$:strip_icc/oldercouple-1de8fddbb2494228b15c8edb4a693efa.jpg) Inside Creative House / Getty Images Close Though a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute. Each fall, the [Internal Revenue Service (IRS)](https://www.investopedia.com/terms/i/irs.asp) reviews and sometimes adjusts the contribution limits for 401(k) plans, [individual retirement accounts (IRAs)](https://www.investopedia.com/terms/i/ira.asp), and other retirement savings vehicles. ### Key Takeaways - Employees can contribute up to \$24,500 to their [401(k) plan](https://www.investopedia.com/terms/1/401kplan.asp) for 2026 vs. \$23,500 for 2025. - Individuals aged 50 or older are eligible for an additional [catch-up contribution](https://www.investopedia.com/401k-catch-up-contributions-5499024) of \$8,000 in 2026, up from \$7,500 in 2025. - The limit on total employer and employee contributions for 2026 is \$72,000 (\$80,000 with catch-up). - The limit on total employer and employee contributions for 2025 was \$70,000 (\$77,500 with catch-up). Get personalized, AI-powered answers built on 27+ years of trusted expertise. ASK ## Basic Limits The basic employee contribution limit for 2026 is \$24,500 (\$23,500 for 2025). This limit includes all [elective employee salary deferrals](https://www.investopedia.com/terms/e/electivedeferralcontribution.asp) and any contributions made to a [designated Roth account](https://www.investopedia.com/terms/d/designated-roth-account.asp) within your 401(k) or to a [Roth 401(k)](https://www.investopedia.com/terms/r/roth401k.asp) plan.1 If you are over age 50, the catch-up contribution is \$8,000 in 2026, up from \$7,500 in 2025. That's a total of \$32,500 (vs. \$31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute \$11,250 instead of \$8,000.1 The same contribution limits apply to [403(b) plans](https://www.investopedia.com/terms/1/403bplan.asp) and most [457 plans](https://www.investopedia.com/terms/1/457plan.asp), as well as to the federal government’s [Thrift Savings Plan](https://www.investopedia.com/terms/t/thrift_savings_plan.asp).2 If you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that \$24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for [SIMPLE IRAs](https://www.investopedia.com/terms/s/simple-ira.asp)), do not affect your 401(k) contribution limit.3 Take the Next Step to Invest Advertiser Disclosure × The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. ## After-Tax Contributions If you have extra funds to sock away and your company offers an [after-tax](https://www.investopedia.com/terms/a/aftertaxcontribution.asp) 401(k) contribution option, you can contribute more.4 In 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is \$72,000 (\$80,000 if you're 50 or older, or \$83,250 if you're 60, 61, 62, or 63). In 2025, the limit was \$70,000 (\$77,500 for those 50 or older).1 ### Important To help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit.5 ## Employer Contributions Another big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many [employers match employee contributions](https://www.investopedia.com/terms/m/matchingcontribution.asp) by adding, for example, 50 cents or one dollar for every dollar the employee contributes. Employers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is \$72,000. When you include the \$8,000 catch-up contribution, that limit becomes \$80,000. Or if you're 60, 61, 62, or 63, the limit is \$83,250.1 The limit on total employer and employee contributions for 2025 was \$70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was \$77,500, which included the \$7,500 catch-up contribution.16 ## Limits for Highly Paid Employees If you earn a high salary, you may be considered a [highly compensated employee (HCE)](https://www.investopedia.com/terms/h/highly-compensated-employee.asp), subject to more stringent [contribution limits](https://www.investopedia.com/income-limits-401ks-highly-compensated-employees-5509365). To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the [actual deferral percentage (ADP) test](https://www.investopedia.com/terms/a/actual-deferral-percentage-actual-contribution-percentage.asp) to ensure that employees of all compensation levels participate proportionately in their companies' plans. If non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted.7 ## Contributions in Excess of Annual Limits Evaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15.8 ## Comparing 2025 and 2026 Limits The chart below provides a breakdown of how the rules and limits for [defined-contribution plans](https://www.investopedia.com/terms/d/definedcontributionplan.asp) (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026.16 \* The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies.9 ## How Often Does the IRS Change 401(k) Contribution Limits? The IRS typically makes an annual adjustment to contribution limits to reflect the effects of [inflation](https://www.investopedia.com/terms/i/inflation.asp).6 ## How Much More Can I Contribute to My 401(k) for 2026 Compared to 2025? For the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is \$24,500. That is \$1000 more than you were allowed to contribute in 2025.1 ## Has the IRS Increased Catch-Up Amounts for 2026? Yes, the IRS increased the catch-up amount for those 50 years old to \$8,000 in 2026. For the tax year 2025, it was \$7,500.1 ## The Bottom Line Every year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans. For 2026, that amount is \$24,500, with a catch-up contribution of \$8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional \$11,250 instead of \$8,000. For 2025, the maximum contribution amounts were \$23,500 and \$7,500 for catch-up contributions.1 Make the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of [employer-matching contributions](https://www.investopedia.com/articles/personal-finance/120315/what-good-401k-match.asp), if they're offered, to boost your retirement savings each year. Get personalized, AI-powered answers built on 27+ years of trusted expertise. - [Why does the IRS adjust retirement contribution limits annually for inflation?](https://www.investopedia.com/retirement/401k-contribution-limits/) - [How do 401(k) funds protect from creditors under ERISA?](https://www.investopedia.com/retirement/401k-contribution-limits/) - [How can I maximize my employer 401(k) matching contributions?](https://www.investopedia.com/retirement/401k-contribution-limits/) ASK Article Sources Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our [editorial policy.](https://www.investopedia.com/legal-4768893#EditorialPolicy) 1. Internal Revenue Service. "[401(k) Limit Increases to \$24,500 for 2026, IRA Limit Increases to \$7,500](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500)." 2. Internal Revenue Service. "[COLA Increases for Dollar Limitations on Benefits and Contributions](https://www.irs.gov/retirement-plans/cola-increases-for-dollar-limitations-on-benefits-and-contributions)." 3. Internal Revenue Service. "[How Much Salary Can You Defer if You’re Eligible for More than One Retirement Plan?](https://www.irs.gov/retirement-plans/how-much-salary-can-you-defer-if-youre-eligible-for-more-than-one-retirement-plan)" 4. CNBC. "[More Companies Are Offering an After-Tax 401(k) Option to Big Savers. Here's How to Use It](https://www.cnbc.com/2022/06/10/more-companies-are-offering-an-after-tax-401k-option-for-big-savers.html)." 5. Internal Revenue Service. "[Retirement Topics - Catch-Up Contributions](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions)." 6. Internal Revenue Service. "[2026 Limitations Adjusted as Provided in Section 415(d), etc.; Notice 2025-67](https://www.irs.gov/pub/irs-drop/n-25-67.pdf)," Page 1. 7. Internal Revenue Service. "[401(k) Plan Fix-It Guide - The Plan Failed the 401(k) ADP and ACP Nondiscrimination Tests](https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-the-plan-failed-the-401k-adp-and-acp-nondiscrimination-tests)." 8. Internal Revenue Service. "[401(k) Plan Fix-It Guide - Elective Deferrals Weren't Limited to the Amounts Under IRC Section 402(g) for the Calendar Year and Excesses Weren't Distributed](https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-elective-deferrals-exceeded-code-402g-limits-for-the-calendar-year-and-excesses-were-not-distributed)." 9. Internal Revenue Service. "[Issue Snapshot - 401(k) Plan Catch-up Contribution Eligibility](https://www.irs.gov/retirement-plans/401k-plan-catch-up-contribution-eligibility)." Compare Accounts Advertiser Disclosure × The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. Part of the Series 401(k) Plans: The Complete Guide [401(k) Plans: What Are They, How They Work](https://www.investopedia.com/terms/1/401kplan.asp) What Is It? 1. [Beginner's Guide to 401(k) Types](https://www.investopedia.com/beginners-guide-to-types-of-401-k-s-5323549) 2. [The Rules of a 401(k) Retirement Plan](https://www.investopedia.com/articles/retirement/08/401k-info.asp) 3. [Is a 401(k) Worth It?](https://www.investopedia.com/articles/retirement/11/6-problems-with-401k-plans.asp) 4. [Are 401(k)s FDIC-Insured?](https://www.investopedia.com/ask/answers/090115/why-my-401k-not-fdicinsured.asp) 5. [401(k) Age Limits: Can You Be Too Young for One?](https://www.investopedia.com/401k-age-limits-too-young-5323754) 401(k)s at Work 1. [How Much Should I Contribute to My 401(k)?](https://www.investopedia.com/articles/retirement/082716/your-401k-whats-ideal-contribution.asp) 2. [401(k) Contribution Limits](https://www.investopedia.com/retirement/401k-contribution-limits/) CURRENT ARTICLE 3. [How 401(k) Matching Works](https://www.investopedia.com/articles/personal-finance/112315/how-401k-matching-works.asp) 4. [What Is a Good 401(k) Match? How It Works and What's the Average](https://www.investopedia.com/articles/personal-finance/120315/what-good-401k-match.asp) 5. [Vesting: What It Is and How It Works](https://www.investopedia.com/terms/v/vesting.asp) 6. [My Employer Doesn't Offer a 401(k). 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[Are Contributions Tax Deductible?](https://www.investopedia.com/ask/answers/112515/are-401k-contributions-tax-deductible.asp) 4. [Can My 401(k) be Garnished or Seized?](https://www.investopedia.com/ask/answers/090915/can-my-401k-be-seized-or-garnished.asp) 5. 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Readable Markdown	Though a 401(k) plan can be one of the easiest and most effective ways to save for your retirement, there's a limit on how much you may contribute. Each fall, the [Internal Revenue Service (IRS)](https://www.investopedia.com/terms/i/irs.asp) reviews and sometimes adjusts the contribution limits for 401(k) plans, [individual retirement accounts (IRAs)](https://www.investopedia.com/terms/i/ira.asp), and other retirement savings vehicles. ### Key Takeaways - Employees can contribute up to \$24,500 to their [401(k) plan](https://www.investopedia.com/terms/1/401kplan.asp) for 2026 vs. \$23,500 for 2025. - Individuals aged 50 or older are eligible for an additional [catch-up contribution](https://www.investopedia.com/401k-catch-up-contributions-5499024) of \$8,000 in 2026, up from \$7,500 in 2025. - The limit on total employer and employee contributions for 2026 is \$72,000 (\$80,000 with catch-up). - The limit on total employer and employee contributions for 2025 was \$70,000 (\$77,500 with catch-up). Get personalized, AI-powered answers built on 27+ years of trusted expertise. ## Basic Limits The basic employee contribution limit for 2026 is \$24,500 (\$23,500 for 2025). This limit includes all [elective employee salary deferrals](https://www.investopedia.com/terms/e/electivedeferralcontribution.asp) and any contributions made to a [designated Roth account](https://www.investopedia.com/terms/d/designated-roth-account.asp) within your 401(k) or to a [Roth 401(k)](https://www.investopedia.com/terms/r/roth401k.asp) plan.1 If you are over age 50, the catch-up contribution is \$8,000 in 2026, up from \$7,500 in 2025. That's a total of \$32,500 (vs. \$31,000 in 2025). If you are age 60, 61, 62, or 63, you can contribute \$11,250 instead of \$8,000.1 The same contribution limits apply to [403(b) plans](https://www.investopedia.com/terms/1/403bplan.asp) and most [457 plans](https://www.investopedia.com/terms/1/457plan.asp), as well as to the federal government’s [Thrift Savings Plan](https://www.investopedia.com/terms/t/thrift_savings_plan.asp).2 If you have multiple 401(k) accounts, your total contributions to all of them—both traditional and Roth—cannot exceed that \$24,500 limit. Any contributions you make to other types of retirement accounts, such as IRAs (except for [SIMPLE IRAs](https://www.investopedia.com/terms/s/simple-ira.asp)), do not affect your 401(k) contribution limit.3 ## After-Tax Contributions If you have extra funds to sock away and your company offers an [after-tax](https://www.investopedia.com/terms/a/aftertaxcontribution.asp) 401(k) contribution option, you can contribute more.4 In 2026, the total combined limit, including elective employee deferrals, after-tax contributions, and employer matching funds, is \$72,000 (\$80,000 if you're 50 or older, or \$83,250 if you're 60, 61, 62, or 63). In 2025, the limit was \$70,000 (\$77,500 for those 50 or older).1 ### Important To help workers nearing retirement add more to their tax-advantaged savings accounts, the IRS allows 401(k) participants age 50 and over to make additional contributions beyond the standard contribution limit.5 ## Employer Contributions Another big benefit of participating in a 401(k) plan is that your employer may contribute to it on your behalf. Many [employers match employee contributions](https://www.investopedia.com/terms/m/matchingcontribution.asp) by adding, for example, 50 cents or one dollar for every dollar the employee contributes. Employers can also make elective contributions regardless of how much or little the employee contributes, up to certain limits. The limit on total employer and employee contributions for 2026 is \$72,000. When you include the \$8,000 catch-up contribution, that limit becomes \$80,000. Or if you're 60, 61, 62, or 63, the limit is \$83,250.1 The limit on total employer and employee contributions for 2025 was \$70,000 or 100% of employee compensation, whichever was less. For workers age 50 and up, the base limit was \$77,500, which included the \$7,500 catch-up contribution.16 ## Limits for Highly Paid Employees If you earn a high salary, you may be considered a [highly compensated employee (HCE)](https://www.investopedia.com/terms/h/highly-compensated-employee.asp), subject to more stringent [contribution limits](https://www.investopedia.com/income-limits-401ks-highly-compensated-employees-5509365). To prevent wealthier employees from benefiting unfairly from the tax benefits of 401(k) plans, the IRS uses the [actual deferral percentage (ADP) test](https://www.investopedia.com/terms/a/actual-deferral-percentage-actual-contribution-percentage.asp) to ensure that employees of all compensation levels participate proportionately in their companies' plans. If non-highly compensated employees do not participate in the company plan, the amount that HCEs can contribute may be restricted.7 ## Contributions in Excess of Annual Limits Evaluating your estimated contributions for the year ahead and analyzing your contributions at the end of a calendar year can be very important. If you find that you have made contributions in excess of the annual limits, the IRS requires that these excess deferrals be returned to you by April 15.8 ## Comparing 2025 and 2026 Limits The chart below provides a breakdown of how the rules and limits for [defined-contribution plans](https://www.investopedia.com/terms/d/definedcontributionplan.asp) (401(k), 403(b), and most 457 plans) changed for 2025 vs. 2026.16 \* The catch-up contribution limit for participants age 50 and older is available to those turning 50 at any time during the year. For instance, if you were born on New Year's Eve, it applies.9 ## How Often Does the IRS Change 401(k) Contribution Limits? The IRS typically makes an annual adjustment to contribution limits to reflect the effects of [inflation](https://www.investopedia.com/terms/i/inflation.asp).6 ## How Much More Can I Contribute to My 401(k) for 2026 Compared to 2025? For the tax year 2026, the maximum amount that an employee under 50 can contribute to their 401(k) retirement plan is \$24,500. That is \$1000 more than you were allowed to contribute in 2025.1 ## Has the IRS Increased Catch-Up Amounts for 2026? Yes, the IRS increased the catch-up amount for those 50 years old to \$8,000 in 2026. For the tax year 2025, it was \$7,500.1 ## The Bottom Line Every year, the IRS issues updates for the maximum amount of money employees may contribute to their 401(k) plans. For 2026, that amount is \$24,500, with a catch-up contribution of \$8,000 for those age 50 and older. If you're 60, 61, 62, or 63, you can contribute an additional \$11,250 instead of \$8,000. For 2025, the maximum contribution amounts were \$23,500 and \$7,500 for catch-up contributions.1 Make the most of your yearly opportunity to save toward retirement by maxing out your contribution amounts, if possible. Moreover, be sure to take advantage of [employer-matching contributions](https://www.investopedia.com/articles/personal-finance/120315/what-good-401k-match.asp), if they're offered, to boost your retirement savings each year.
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