2026 Retirement Plan Contribution Limits for some of the most common types of accounts

There are many different types of retirement accounts, all with different limits, so we have put together a list of the limits

IRA

  • $7,500 limit
  • $8,600 limit for 50 or older


Simple IRA

  • $17,000 limit
  • $21,000 limit for 50 or older


401(k)

  • $24,500 limit
  • $32,500 limit, 50 or older
  • $11,250 limit, ages 60-63


Roth IRA

  • $7,500 limit
  • $8,600 limit for 50 or older


SEP IRA

  • Lesser of 25% compensation or $72,000 limit
  • Same limit for 50 or older


403(b)

  • $24,500 limit
  • $32,500 limit, 50 or older
  • $11,250 limit, ages 60-63