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Retirement Contribution Limits

For Year 2026

Account Type Contribution Limits
401k Elective Deferral $24,500 (if < 50)
$32,500 (if ≥ 50, but not 60--63. Catch-up: $8,000)
$35,750 (if 60--63. Super catch-up: $11,250)
415(c) limits $72,000 (if < 50)
$80,000 (if ≥ 50, but not 60--63)
$83,250 (if 60--63)
HSA $4,400 individual if < 55
$8,750 family if < 55
+ $1,000 catch-up if ≥ 55
Traditional IRA Tax full-deductibility:
$81,000 for single filers
$129,000 for joint filers 		$7,500 (if < 50)
$8,600 (if ≥ 50. Catch-up: $1,100)
Roth IRA MAGI limit:
$153,000 for single filers
$242,000 for joint filers		 $7,500 (if < 50)
$8,600 (if ≥ 50. Catch-up: $1,100)
Pension Benefit Maximum Annual $290,000
Cash Balance Pension Estimate at age 55 $253,300

For Year 2025

Account Type Contribution Limits
401k Elective Deferral $23,500 (if < 50)
$31,000 (if ≥ 50, but not 60--63. Catch-up: $7,500)
$34,750 (if 60--63. Super catch-up: $11,250)
415(c) limits $70,000 (if < 50)
$77,500 (if ≥ 50, but not 60--63)
$81,250 (if 60--63)
HSA $4,300 individual if < 55
$8,550 family if < 55
+ $1,000 catch-up if ≥ 55
Traditional IRA Tax full-deductibility:
$79,000 for single filers
$126,000 for joint filers 		$7,000 (if < 50)
$8,000 (if ≥ 50. Catch-up: $1,000)
Roth IRA MAGI limit:
$150,000 for single filers
$236,000 for joint filers		 $7,000 (if < 50)
$8,000 (if ≥ 50. Catch-up: $1,000)
Pension Benefit Maximum Annual $280,000
Cash Balance Pension Estimate at age 55 $253,000

For Year 2024

Account Type 2024 Contribution Limits
401k Elective Deferral $23,000 (if < 50)
$30,500 (if ≥ 50. Catch-up: $7,500)
415(c) limits $69,000 (if < 50)
$76,500 (if ≥ 50)
HSA $4,150 individual if < 55
$8,300 family if < 55
+ $1,000 catch-up if ≥ 55
Traditional IRA Tax full-deductibility:
$77,000 for single filers
$123,000 for joint filers 		$7,000 (if < 50)
$8,000 (if ≥ 50. Catch-up: $1,000)
Roth IRA MAGI limit:
$146,000 for single filers
$230,000 for joint filers		 $7,000 (if < 50)
$8,000 (if ≥ 50. Catch-up: $1,000)
Pension Benefit Maximum Annual $275,000
Cash Balance Pension Estimate at age 55 $274,000

For Year 2023

Account Type 2023 Contribution Limits
401k Elective Deferral $22,500 (if < 50)
$30,000 (if ≥ 50. Catch-up: $7,500)
415(c) limits $66,000 (if < 50)
$73,500 (if ≥ 50)
HSA $3,850 individual if < 55
$7,750 family if < 55
+ $1,000 catch-up if ≥ 55
Traditional IRA Tax-deductibility:
$83,000 for single filers
$136,000 for joint filers 		$6,500 (if < 50)
$7,500 (if ≥ 50. Catch-up: $1,000)
Roth IRA MAGI limit:
$153,000 for single filers
$228,000 for joint filers		 $6,500 (if < 50)
$7,500 (if ≥ 50. Catch-up: $1,000)
Pension Benefit Maximum Annual $265,000
Cash Balance Pension Estimate at age 55 $241,000

For Year 2022

Account Type 2022 Contribution Limits
401k Elective Deferral $20,500 (if < 50)
$27,000 (if ≥ 50. Catch-up: $6,500)
415(c) limits $61,000 (if < 50)
$67,500 (if ≥ 50)
HSA $3,650 individual if < 55
$7,300 family if < 55
+ $1,000 catch-up if ≥ 55
Traditional IRA Tax-deductibility:
$68,000 for single filers
$109,000 for joint filers 		$6,000 (if < 50)
$7,000 (if ≥ 50. Catch-up: $1,000)
Roth IRA MAGI limit:
$144,000 for single filers
$204,000 for joint filers		 $6,000 (if < 50)
$7,000 (if ≥ 50. Catch-up: $1,000)
Pension Benefit Maximum Annual $245,000

Notes:

  1. Annual contribution limits for 403(b), most 457 plans, and Thrift Savings Plan follow the 401k limits. This is a guide only. Please refer to IRS for more accurate description.
  2. Elective Deferral is the maximum amount a 401k participant can electively contribute in a given year to pretax 401k on tax-deferred basis. It is also the maximum amount for direct contribution to Roth 401k.
  3. The 415(c) limit is the maximum amount in a given year for the sum of employee contributions (pretax 401k, Roth 401k, after-tax 401k, and catch-up), and company contribution.

This page is for general information only and is not intended to provide specific advice for any individual.