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Learn how to maximize savings, reduce taxes, and prepare today. *projected amounts based on expected inflation adjustments. Milliman’s latest report shows that the 2026 elective deferral limit for 401 (k), 403 (b), most 457 plans, and the thrift savings plan is on track to be $24,500, which would mark a $1,000 increase from this year’s limit.

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All that said, here are the limits for 2026 retirement plan contributions While the irs hasn't finalized the limits for 2026 and 2027, historical trends suggest annual increases of $500 to $1,000, depending on inflation 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.

The elective deferral limit for employees is projected to increase by $1,000 to $24,500 for the 2026 tax year

This applies to 401 (k), 403 (b), and most 457 plans. The primary limit on an employee's personal 401 (k) contributions is the elective deferral limit For the 2026 tax year, industry forecasters project a $1,000 increase, bringing the maximum contribution to $24,500 for participants under 50. The 401k 2026 contribution limit irs is projected to rise to $24,000 for employee deferrals, according to forecasts from milliman

That’s up from $23,000 in 2025 — a modest bump, but meaningful over time. The deduction will completely phase out when your income goes above $91,000 for singles and $149,000 for married filing jointly. View the 2026 contribution limits for iras, 401(k)s, and other retirement plans