2026 IRS limits now live

Retirement math,
finally made clear.

Free calculators and comparison tools to help you figure out how much to save, which accounts to use, and whether you're on track for retirement.

Try the 401(k) Calculator
$24,500
2026 401(k) employee limit
$7,500
2026 IRA contribution limit
$35,750
Max 401(k) if aged 60–63
$4,400
2026 HSA self-only limit
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Free Tools

Retirement Calculators

Enter your details and get a personalized breakdown in seconds. All calculations use the latest 2026 IRS figures and run entirely in your browser.

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401(k) Contribution Calculator

Find out exactly how much you can contribute, how much your employer will add, and how much you'll save on taxes this year.

2026 limitsEmployer matchTax savingsCatch-up
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Roth IRA Eligibility Checker

Enter your income and filing status to instantly see if you can contribute to a Roth IRA and how much your limit is after phase-outs.

Income limitsPhase-outBackdoor Roth
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Retirement Savings Projector

See how your current savings rate compounds over time — and whether you'll have enough to retire on schedule with inflation factored in.

Compound growthRetirement ageInflation
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Social Security Estimator

Estimate your monthly Social Security benefit based on your earnings history, retirement age, and claiming strategy from 62 to 70.

Claiming ageSpousal benefitBreak-even
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Safe Withdrawal Rate Calculator

Based on the 4% rule and your portfolio size, calculate how much you can withdraw each year without running out of money in retirement.

4% rulePortfolio sizeLongevity
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SEP IRA Calculator

Self-employed or own a small business? Calculate your maximum SEP IRA contribution and tax deduction for 2026 — up to $72,000.

Self-employedSolo 401(k)$72,000 limit
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HSA Contribution Calculator

Calculate your HSA contribution limit, employer contributions, and estimated tax savings for self-only or family HDHP coverage in 2026.

HDHPTriple tax advantage$4,400 limit
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RMD Calculator

Calculate your Required Minimum Distribution for traditional IRAs and 401(k)s based on your account balance and IRS Uniform Lifetime Table.

Age 73+IRS life tablePenalty avoidance
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Side-by-Side

Account Comparison Tools

Contribution limits, tax treatment, income restrictions, and withdrawal rules — all compared side by side.

401(k) vs Roth IRA

The most common retirement dilemma — pre-tax vs after-tax, and which wins for your income level.

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Traditional IRA vs Roth IRA

Same contribution limit, very different tax outcomes depending on when you expect to pay less tax.

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401(k) vs IRA

Should you max your 401(k) or open an IRA first? Depends on your employer match and investment options.

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SEP IRA vs Solo 401(k)

Both are for self-employed — but one lets you save dramatically more depending on your income.

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HSA vs FSA

Both save on healthcare costs, but only one lets you invest and carry funds year to year.

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All Accounts — Full Table

401(k), Roth IRA, Traditional IRA, SEP IRA, SIMPLE IRA, HSA — all limits and rules in one place.

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2026 IRS Retirement Limits

Confirmed from IRS Notice 2025-67. Effective January 1, 2026.

$24,500
401(k)
$7,500
IRA / Roth
$72,000
SEP IRA
$4,400
HSA
Full 2026 limits →
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Learn

Retirement Planning Guides

Plain-English explanations of how retirement accounts work — no jargon, no sales pitch.

What is a 401(k) and how does it work?

From employer matches to vesting schedules — everything you need to know before enrolling.

Read guide →

Roth IRA rules: contributions, limits, and withdrawals

Who can contribute, when you can withdraw tax-free, and why the five-year rule matters.

Read guide →

The order of operations for retirement saving

Where to put your money first: employer match → HSA → IRA → max 401(k) → taxable brokerage.

Read guide →

SECURE 2.0: what changed for 2026

Super catch-up contributions, Roth catch-up requirements, RMD age changes, and more.

Read guide →

Self-employed retirement accounts compared

SEP IRA vs Solo 401(k) vs SIMPLE IRA — which one lets you save the most based on your income.

Read guide →

When should you claim Social Security?

The 8% per year delayed credit explained — and the break-even calculation that matters most.

Read guide →

FAQ

Common questions about 2026 retirement limits

Data sourced directly from IRS.gov and SSA.gov. Updated November 2025.

What is the 401(k) contribution limit for 2026?

The employee contribution limit is $24,500. Workers aged 50+ can add a $8,000 catch-up contribution ($32,500 total). Workers aged 60–63 qualify for a super catch-up of $11,250 ($35,750 total) — a new rule under SECURE 2.0. Use the calculator →

What is the Roth IRA income limit for 2026?

Single filers can contribute fully below $153,000 MAGI, phasing out at $168,000. Married filing jointly: full contribution below $242,000, phasing out at $252,000. Above the limit, a backdoor Roth may still be an option. Check your eligibility →

What is the IRA contribution limit for 2026?

The combined limit for Traditional and Roth IRA is $7,500. Ages 50+ can contribute an extra $1,100 catch-up, for a total of $8,600. This is a combined limit — contributing $7,500 to a Roth IRA means $0 available for a Traditional IRA.

What is the HSA contribution limit for 2026?

Self-only HDHP coverage: $4,400. Family coverage: $8,750. Ages 55+ can contribute an additional $1,000. You must be enrolled in a qualifying HDHP and not enrolled in Medicare to contribute. Calculate your HSA limit →