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Explore 2026 401(k) limit increases and secure 2.0 roth rules to maximize retirement savings and optimize your tax strategy. Every key internal revenue code (irc) limit for qualified retirement plans will rise from 2025 to 2026, mercer projects Learn how to maximize savings, reduce taxes, and prepare today.

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It’s looking like a $1,000 boost in 2026 to the maximum 401 (k) contribution limit for employees, according the final 2026 irs limits forecast from milliman (released sept The consulting firm projects the limit will rise from $23,500 this year to $24,500 next year for 401 (k), 403 (b) and most 457 plans,. 12), which would raise the limit from $23,500 this year to $24,500 next year.

All that said, here are the limits for 2026 retirement plan contributions

The total employee contribution limit to all 401 (k) and 403 (b) plans for those under 50 will go up from $23,500 in 2025 to $24,500 in 2026. Learn how these changes affect you. Key takeaways the 401k 2026 contribution limit irs is expected to rise to $24,000, with total caps near $79,500 for age 50+ The contribution and income limits for workplace retirement plans, traditional and roth ira, fsa, and hsa will go up in 2026 to adjust for inflation.

Milliman’s 2026 internal revenue service limits forecast