2026 401(k) limits
| Limit | 2026 |
|---|---|
| Employee contribution | $24,500 |
| Catch-up, age 50+ | $8,000 |
| Super catch-up, ages 60β63 | $11,250 |
| Total incl. employer (415(c)) | $72,000 |
| IRA contribution | $7,500 (+$1,100 at 50+) |
Never leave the match on the table
A typical match β 50% of contributions up to 6% of salary β is an instant 50% return. Contribute at least enough to get the full match before investing anywhere else.
Roth or Traditional?
Traditional contributions save tax now and are taxed when withdrawn; Roth contributions are taxed now and grow tax-free. With the same budget, the two give the same result when your tax rate is unchanged. If you expect a lower rate in retirement, Traditional wins; if higher, Roth wins. Many people split contributions to diversify.
FAQ
What is the 401(k) contribution limit for 2026?
$24,500 for employees, plus an $8,000 catch-up at age 50 or older, or an $11,250 super catch-up at ages 60 to 63.
How much should I have in my 401(k) by age?
A common guideline is 1Γ your salary by 30, 3Γ by 40, 6Γ by 50 and 8Γ by 60, counting all retirement savings.
Is a Roth 401(k) better than Traditional?
Roth is better if your tax rate in retirement will be higher than today; Traditional is better if it will be lower. The calculator compares both using your rates.