New for 2026! Contribution Limits for 401(k), IRA, HSA, and More
The new year has officially arrived, and with it came new guidelines for your retirement savings plans. Individuals will face new (and higher) 401(k) contribution limits in 2026, permitting you to save more than you did last year. Understanding your upper limits enables you to strategize early in the year, allowing you to maximize your earnings and prepare for the golden years ahead.
Not sure what you can contribute to your retirement savings accounts in 2026? These guidelines will help you lay the foundation for a successful savings year.
401(k) Contribution Limits for 2026
Every year, 401(k) contribution limits are analyzed to determine if they should be adjusted for inflation. While the number doesn’t change every year, it increased by $1,000 between 2025 and 2026.
The compensation limit for 401(k) contributions has also increased significantly. In 2025, the compensation limit was $350,000; however, it has since increased to $360,000.
This means that companies like Amazon will cap their matches at around 2 percent of the $360K limit. This figure equates to $7,200 and results in an after-tax limit of $40,300.
Other companies, such as Google, Microsoft, and Meta, may be more generous than Amazon. Instead of capping matches at 2 percent, they cap at 50 percent of the IRS limit. For 2026, that could mean up to $12,250 or $35,250 as the max after-tax for these three tech giants.
401(k) Contribution Limits for Google, Microsoft, and Meta employees
| Category | 2026 | 2025 |
|---|---|---|
| Pre-tax/Roth (Employee) | $24,500 | $23,500 |
| 50% Employer Match (For Google, Microsoft, and Meta) | $12,250 | $11,750 |
| After-Tax (For Google, Microsoft, and Meta) | $35,250 | $34,750 |
| Total (Employee + Employer) | $72,000 | $70,000 |
401(k) Contribution Limits for Amazon employees
| Category | 2026 | 2025 |
|---|---|---|
| Pre-tax/Roth (Employee) | $24,500 | $23,500 |
| 50% match on the first 4% of eligible pay (Amazon) | $7,200 | $7,000 |
| After-Tax (Amazon) | $40,300 | $34,750 |
| Total (Employee + Employer) | $72,000 | $70,000 |
Of course, all the above figures pertain to individuals who are 49 years old or younger. The IRS permits catch-up contributions for individuals aged 50 and older, with two different brackets based on age.
The standard catch-up contribution for a 401(k) also got a slight bump between 2025 and 2026. Individuals aged 50 to 59 can contribute an additional $8,000 to their accounts. For those who are just a few years older (ages 60 to 63), you get a larger bump to $11,250. At age 64, this returns to the previous limit of $8,000.
Catch-up Contributions for 401(k)s
| Category | 2026 | 2025 |
|---|---|---|
| Ages 50-59 | $8,000 | $7,500 |
| Ages 60-63 (The "super" catch-up) | $11,250 | $11,250 |
| Ages 64+ | $8,000 | $7,500 |
Traditional IRA and Roth IRA Contribution Limits for 2026
Much as 401(k) limits for 2026 have increased, so have those for traditional and Roth IRAs. The jump is modest from 2025 to 2026 limits, but every penny counts when you plan for retirement. If you want to maximize your traditional or Roth IRA this year, the maximum contribution is now $7,500 annually.
Fortunately, the catch-up contribution has also been raised for the year. Instead of $1,000 for those who are over age 50, you can now contribute $1,100. That means you can add $8,600 to a traditional or Roth IRA in 2026.
2026 IRA Contribution Limits
| Category | 2026 Limit | 2025 Limit |
|---|---|---|
| Standard Contribution | $7,500 | $7,000 |
| Catch-up (Age 50+) | $1,100 | $1,000 |
| Total Potential (Age 50+) | $8,600 | $8,000 |
HSA Contribution Limits for 2026
Health savings accounts are a great way to let your pre-tax dollars grow tax-free for future use on medical bills and procedures. HSAs have two different contribution limits depending on whether you intend to use them for self-only coverage or for family coverage.
To start, self-only coverage permits you to contribute up to $4,400 per year in 2026. If you will be taking care of an entire family with your health savings account, then you will be able to make a much greater contribution of $8,750 to cover more extensive qualified healthcare costs.
As with most savings accounts and retirement accounts, older individuals can expect to encounter a catch-up contribution. Given that older individuals often have more extensive health needs, it makes sense to take advantage of the $1,000 catch-up contribution for those over age 55.
Self-Only HSA Coverage
| Category | 2026 | 2025 |
|---|---|---|
| Standard Contribution | $4,400 | $4,300 |
| Catch-up (Age 55+) | $1,000 | $1,000 |
Family HSA Coverage
| Category | 2026 | 2025 |
|---|---|---|
| Standard Contribution | $8,750 | $8,550 |
| Catch-up (Age 55+) | $1,000 | $1,000 per eligible spouse |
Other Tax Changes for 2026
Of course, there are other tax changes on the horizon beyond these simple potential increases to your retirement savings accounts. The One Big Beautiful Bill Act brought many changes, primarily affecting high-income households.
Here are some of the changes you may encounter in 2026.
Estate Tax Increase
While the annual gift exclusion remained the same for 2026 ($19,000 per recipient), some will benefit significantly from a higher estate tax exemption. The increase will amount to $15 million (up from $13.99 million in 2025) per individual.
This means that some estates will be able to legally pass under the radar without being subject to the federal tax that can erode a financial legacy. Gone are the days of tricky financial planning to remove some of your more valuable assets from the estate to skirt these taxes.
Enhanced Child Tax Credit
Parents often look forward to the prospect of a tax credit for one simple reason: having children that they care for living with them in the home. The One Big Beautiful Bill Act made these credits larger than ever before, taking effect on 2026 tax filings.
The Child Tax Credit clocks in at $2,200 per qualifying child (up to $1,700 being refundable). This is a modest increase from 2024, but every penny counts when managing household finances!
Alternative Minimum Tax
While much of the news surrounding the contribution limits for 2026 is beneficial, high-income earners may face one drawback: the alternative minimum tax. The One Big Beautiful Bill Act expands the number of people subject to AMT with new thresholds in place.
The exemption phase-out under the OBBBA is $500,000 for single filers ($1 million for married couples filing jointly). These numbers are lower than they were prior to the OBBBA, which means that more people are bound to be subject to the alternative minimum tax.
In addition, the exemption phase-outs will increase from 25 to 50 percent this year for the first time.
Navigate New Taxes with Help from Consilio
Need some help making sense of the new tax laws and contribution limits for 2026?
Consilio Wealth Advisors is a fiduciary and wealth planning group dedicated to helping you maximize your financial potential. We primarily work with tech professionals in major companies, such as Google, Amazon, Microsoft, and Facebook, to help them make heads and tails of their unique compensation packages.
Are you squeezing every hard-earned dollar out of your compensation? Whether it's maxing your 2026 contributions, optimizing your employer benefits, or reducing your tax liability, we can analyze your financial landscape and take your portfolio to the next level. Give us a call and book an appointment with one of our experts!
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