2026 Updated Benefits Limits

Jan 1st, 2026

IRS Contribution Limits for 2026

Starting January 1, employees can contribution up to $24,500 into their 401(k) and 403(b) plans, most 457 plans, and the Thrift Savings Plan for federal employees.
- Currently $23,500.
Catch-up contributions for employes ages 50 and older will rise to $8,000.
- Currently $7,500.
Aged 60 to 63 can save an extra $11,250, due to SECURE Act 2.0.
IRA contribution limits will increase to $7,500.
- Currently $7,000.
IRA catch-up contributions aged 50 and older will rise to $1,100.
- Currently $1,000.

Dependent Care FSA Limit Increase

The annual employee contribution limit for dependent care FSAs is increasing.
- $7,500 for single individuals and married couples filing jointly (was $5,000).
- $3,750 for married couples filing separately (was $2,500).
Effective January 1, 2026.

Health Savings Accounts (HSAs) Contribution Limits: