--- title: IRS Announces 2026 Retirement Plan Contribution Limits description: The IRS has released the retirement plan contribution limtis for 2026. image: https://rmcgp.com/hubfs/RMC%20-%20Blog%20Header-Nov-17-2025-04-08-06-6886-PM.png --- [ ← Back to Blog ](https://rmcgp.com/blog) # IRS Announces 2026 Retirement Plan Contribution Limits Written By RMC Group Published on: November 17, 2025 **Categories:** Retirement Plans ![IRS Announces 2026 Retirement Plan Contribution Limits](https://rmcgp.com/hubfs/RMC%20-%20Blog%20Header-Nov-17-2025-04-08-06-6886-PM.png) The Internal Revenue Service (IRS) has released [**Notice 2025-67**](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500), containing cost-of-living adjustments for 2026 that affect the amounts employees can contribute to **401(k) plans**, **individual retirement accounts (IRAs)**, and other qualified retirement plans.   # **2026 Increases** The employee contribution limit for 401(k) plans in 2026 has increased to $24,500, up from $23,500 for 2025. Other key limitations include the following: - IRA contribution limit is increased to $7,500, up from $7,000. - The IRA catch‑up contribution limit for individuals aged 50 and over was amended under SECURE 2.0 to include an annual cost‑of‑living adjustment is increased to $1,100, up from $1,000 for 2025. - The compensation threshold for participants required to make their age 50+ catch-up contributions as Roth will increase from** **$145,000 to $150,000 beginning in 2026 - The employee contribution limit for SIMPLE IRAs and SIMPLE 401(k) plans increases to $17,000, up from $16,500. - The threshold used to define a “highly compensated employee” remains the same at $160,000, and the “key employee” threshold rises to $235,000 (up from $230,000). - The contribution limit for defined contribution plans (such as 401(k), profit-sharing, and money purchase plans) increases to $72,000, up from $70,000. - The annual compensation limit applicable to many retirement plans increases to $360,000, up from $350,000. - The catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal Thrift Savings Plan increases to $8,000. - This means participants age 50 and older can contribute up to $32,500 in 2026. - The special catch-up contribution for participants aged 60 through 63, introduced under SECURE 2.0, is $11,250 for 2026, allowing those participants to contribute up to $35,750. - The defined benefit plan annual benefit limit increases to $290,000, up from $280,000.   ## **Updated Income Ranges** The income ranges for determining eligibility to make deductible contributions to traditional IRAs, contribute to Roth IRAs, and claim the Saver’s Credit (Retirement Savings Contributions Credit) also increase for 2026.   ## **More Information** For more details on the 2026 cost-of-living adjustments, visit the [IRS news release](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500). 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