CURRENT NUMBERS · 2026 EDITION
Current Numbers — 2026 Edition
Dated on purpose. These change most years — verify at the official source before acting.
Every volume prints this box and says the website keeps the current year’s numbers posted free. Here they are. The principles in the books don’t expire; these do.
Workplace plans — 401(k), 403(b), 457
- Employee contribution limit
- $24,500
- Catch-up, age 50+
- +$8,000
- Catch-up, ages 60–63
- +$11,250
- Instead of the $8,000, not on top of it.
- Roth catch-up rule
- $150,000
- If your prior-year FICA wages from the employer sponsoring the plan were over $150,000, catch-ups must go in as Roth.
IRAs
- IRA contribution limit
- $7,500
- Catch-up, age 50+
- +$1,100
- Roth IRA income phase-out (single)
- $153,000–$168,000
- Modified adjusted gross income. Above the top of the range, no direct Roth contribution.
- Roth IRA income phase-out (married filing jointly)
- $242,000–$252,000
Solo 401(k) / total defined-contribution limit
- Employee + employer, combined
- $72,000
- Catch-up contributions go on top of this limit.
Health savings account (HSA)
- Self-only coverage
- $4,400
- Family coverage
- $8,750
- Catch-up, age 55+
- +$1,000
- Marketplace plans
- New for 2026
- Bronze and Catastrophic marketplace plans count as HSA-eligible starting in 2026.
Social Security
- Full retirement age
- 67
- For anyone born in 1960 or later.
- Waiting past full retirement age
- +8% a year
- Each year you delay past full retirement age, up to 70, adds 8% to the check.
SOURCES
- IRS Notice 2025-67 — 2026 retirement plan and IRA limits (opens in a new tab)
- IRS news release — 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (opens in a new tab)
- IRS Rev. Proc. 2025-19 — 2026 HSA limits (opens in a new tab)
- IRS — guidance on the 2025 law’s HSA changes, including Bronze and Catastrophic plans as HSA-eligible from 2026 (opens in a new tab)
- Social Security Administration — delayed retirement credits (opens in a new tab)
- Marketplace plans that work with an HSA: healthcare.gov (opens in a new tab)
Educational content — not financial, tax, legal, or insurance advice. Limits and rules change; verify current figures at irs.gov (opens in a new tab), ssa.gov (opens in a new tab), and healthcare.gov (opens in a new tab), and run your own situation past a licensed professional before acting.