Peter Cade | Getty Images<\/p>\n
The IRS has announced new 401(k)<\/a> catch-up contribution limits for 2026.<\/p>\n In its release<\/a> on Thursday, the agency increased the 401(k) contribution limit<\/a> to $24,500 for 2026, from $23,500 this year. Catch-up contributions for savers age 50 and older will also increase to $8,000, up from $7,500 in 2025.<\/p>\n The limits apply to 401(k)s, 403(b)s and most 457 plans, along with the federal Thrift Savings Plan.\u00a0<\/p>\n The 401(k) catch-up contributions are even higher for savers age 60 to 63<\/a>, thanks to a change enacted via Secure 2.0<\/a>. The catch-up contribution for these investors will remain at $11,250 in 2026, allowing them to contribute up to $34,750 total.<\/p>\n The IRS also released new individual retirement account limits<\/a> for 2026, among other updates.<\/p>\n Read more CNBC personal finance coverage<\/p>\n However, most employees aren’t maxing out<\/a> their 401(k) or regular catch-up contributions, according to Vanguard’s 2025 How America Saves report, which is based on more than 1,400 plans and nearly 5 million participants.<\/p>\n In 2024, nearly all Vanguard plans offered catch-up contributions, but only 16% of eligible workers<\/a> made these deferrals, the report found.<\/p>\n The IRS announcement comes hours after President Donald Trump signed into law<\/a> a funding bill to end the longest federal government shutdown in U.S. history. It also comes roughly a month <\/strong>after the agency released dozens of inflation adjustments for 2026, including federal income tax brackets<\/a>, higher capital gains brackets<\/a> and provisions impacting families<\/a>, among others.<\/p>\n","protected":false},"excerpt":{"rendered":"Peter Cade | Getty Images The IRS has announced new 401(k) catch-up contribution limits for 2026. In its…\n","protected":false},"author":2,"featured_media":178710,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[9,3055,5490,79,207,18,3260,3596,17510,19,79408,17,17508,234,7807,235,2895,17509,11388],"class_list":{"0":"post-178709","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-breaking-news","9":"tag-breaking-news-investing","10":"tag-breaking-news-politics","11":"tag-business","12":"tag-business-news","13":"tag-eire","14":"tag-estate-planning","15":"tag-financial-planning","16":"tag-government-taxation-and-revenue","17":"tag-ie","18":"tag-internal-revenue-service","19":"tag-ireland","20":"tag-national-taxes","21":"tag-personal-finance","22":"tag-personal-saving","23":"tag-personalfinance","24":"tag-retirement-planning","25":"tag-tax-planning","26":"tag-taxes"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/115543234503361214","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/178709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=178709"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/178709\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/178710"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=178709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=178709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=178709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n