2026 401(k) limits
- $24,500: the most you can defer from pay into all 401(k), 403(b) and 457 plans combined.
- +$8,000 catch-up: if you are 50 or older by December 31, 2026 (total $32,500).
- +$11,250 catch-up at 60–63: replaces the $8,000 catch-up in the years you turn 60, 61, 62 or 63 (total $35,750).
- $72,000: the cap on your deferrals plus employer contributions, not counting catch-up.
How it works
Your contribution is your salary times your percentage, capped at your limit. The match is the employer's rate on the part of your contribution up to the matched percentage. The projection adds each year's contributions and grows the balance at the return you enter.
Match = salary × min(your %, matched %) × match rate
The projection keeps 2026 limits fixed and grows your salary by the raise you enter. Real limits rise with inflation, and returns are not guaranteed.
Tips
- Contribute at least enough to get the full match — it is an instant return on your money.
- From 2026, if your prior-year wages from the employer were over $150,000, catch-up contributions must go in as Roth (after-tax).
- Traditional contributions lower your taxable pay now; Roth contributions are taxed now but come out tax-free in retirement.
- Many plans make you wait for the match to vest. Check your plan's vesting schedule before changing jobs.
Standards and sources
- 401(k) and profit-sharing plan contribution limits · IRS
- Catch-up contributions · IRS
- COLA increases for dollar limitations on benefits and contributions · IRS
Last reviewed October 15, 2026
Frequently asked questions
What is the 401(k) limit for 2026?
$24,500 of your own deferrals. If you are 50 or older by year-end you can add $8,000, or $11,250 if you turn 60 to 63 in 2026. Employer and employee contributions together are capped at $72,000, plus catch-up.
How much should I contribute?
At least enough to get the full employer match. Beyond that, many people aim for 10–15% of pay including the match.
Does the employer match count toward my $24,500?
No. The $24,500 limit is only your own deferrals. The match counts toward the $72,000 total limit.
What happens if I go over the limit?
Excess deferrals must be returned by April 15 of the next year, or they are taxed twice. Most payroll systems stop at the limit automatically.
Is my data saved?
No. The calculation runs only in your browser, and nothing is sent anywhere.