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401(k), IRA and HSA contribution limits for 2026 and 2027

For 2026 you can contribute up to $24,500 to a 401(k), $7,500 to an IRA and $4,400 to a self-only HSA. The 2027 HSA limits are out, and the IRS will announce the 2027 401(k) and IRA limits in October or November.

Updated By Hassan Arslan

Contribution limits at a glance

Limits per person per year, unless noted, from IRS Notice 2025-67 for 2026 retirement plans and IRAs. “Pending” marks 2027 figures the IRS will publish in October or November.

Workplace plans

Account 2026 2027
401(k), 403(b), 457(b) and Thrift Savings Plan: employee contributions $24,500 Pending
Catch-up contributions, age 50 or older $8,000 Pending
Catch-up contributions, age 60 to 63 (Replaces the age-50 catch-up) $11,250 Pending
Total employee and employer contributions (defined contribution plans) (Not counting catch-ups) $72,000 Pending
SIMPLE IRA: employee contributions $17,000 Pending

IRAs

Account 2026 2027
Traditional and Roth IRA contributions (combined) $7,500 Pending
IRA catch-up contributions, age 50 or older $1,100 Pending

Health accounts

Account 2026 2027
Health savings account (HSA), self-only coverage $4,400 $4,500
Health savings account (HSA), family coverage $8,750 $9,000
HSA catch-up contributions, age 55 or older (Set by law, not adjusted for inflation) $1,000 $1,000
Health flexible spending account (FSA) $3,400 Pending
Health FSA carryover to the next year (If the employer’s plan allows it) $680 Pending
Dependent care FSA, per household ($3,750 if married filing separately; not adjusted for inflation) $7,500 $7,500

Children’s accounts

Account 2026 2027
Trump Account, from everyone combined (Adjusted for inflation from 2028) $5,000 $5,000

Catch-up contributions

  • Age 50 or older: an extra $8,000 in a 401(k), 403(b), governmental 457(b) or the Thrift Savings Plan, and an extra $1,100 in an IRA, for 2026.
  • Age 60 to 63: a higher catch-up of $11,250 in workplace plans that offer it, instead of the age-50 amount. You qualify in any year you turn 60, 61, 62 or 63. See the IRS’s catch-up contribution rules.
  • Higher earners: from 2026, if your FICA wages from that employer were over $150,000 in 2025, your catch-up contributions have to go into the plan’s Roth account.
  • HSAs: an extra $1,000 from age 55, until you enroll in Medicare.

With the age 60 to 63 catch-up, a 401(k) saver can put in $35,750 of their own money in 2026. The total from you and your employer is capped at $72,000, not counting catch-ups.

Roth IRA income limits for 2026

Direct Roth IRA contributions shrink, and then stop, as your modified AGI rises through these ranges:

Filing statusFull contribution belowPhase-out rangeNo contribution at or above
Single or head of household$153,000$153,000 to $168,000$168,000
Married filing jointly$242,000$242,000 to $252,000$252,000
Married filing separately (lived together)—$0 to $10,000$10,000

Above the limits, many people contribute to a traditional IRA and convert it to a Roth. Our Roth conversion calculator shows the tax a conversion adds.

Traditional IRA deduction limits for 2026

Anyone with earned income can contribute to a traditional IRA, but if you or your spouse are covered by a retirement plan at work, the deduction phases out over these modified AGI ranges:

SituationDeduction phases out between
Single or head of household, covered at work$81,000 to $91,000
Married filing jointly, you’re covered at work$129,000 to $149,000
Married filing jointly, only your spouse is covered$242,000 to $252,000
Married filing separately, either of you covered$0 to $10,000

HSA rules for 2026 and 2027

To contribute to an HSA, you need a high-deductible health plan (HDHP) that meets these limits, and no other health coverage that isn’t high-deductible:

HDHP rule20262027
Minimum deductible, self-only$1,700$1,750
Minimum deductible, family$3,400$3,500
Out-of-pocket maximum, self-only$8,500$8,700
Out-of-pocket maximum, family$17,000$17,400

HSA contributions lower your adjusted gross income, which can also keep you under the ACA subsidy cliff or an IRMAA bracket. You can’t contribute once you’re enrolled in Medicare.

Other 2026 limits

  • Pay a workplace plan can count: $360,000.
  • Highly compensated employee threshold: $160,000.
  • Saver’s Credit income limits: $80,500 of AGI for married couples filing jointly, $60,375 for heads of household and $40,250 for everyone else.
  • Trump Accounts: $5,000 a year per child from everyone combined, including up to $2,500 from an employer (IRS Notice 2025-68). See the Trump Account calculator.

When the 2027 limits come out

The IRS announced the 2027 HSA limits on May 29, 2026 (Rev. Proc. 2026-24). The 2027 limits for 401(k) plans and IRAs usually follow in October or November, after the September inflation figures; the 2026 limits were announced on November 13, 2025. The health FSA limit comes with the IRS’s yearly inflation adjustments for the tax brackets. We update this page when each is released.

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Contribution limits 2026–2027 (CSV)

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Frequently asked questions

What is the 401(k) contribution limit for 2026?
$24,500 of employee contributions, plus a $8,000 catch-up if you’re 50 or older, or $11,250 if you’re 60 to 63. The same limits apply to 403(b) and governmental 457(b) plans and the Thrift Savings Plan.
What is the 401(k) limit for 2027?
The IRS hasn’t announced it yet. It publishes the next year’s 401(k) and IRA limits in October or November; the 2026 limits came out on November 13, 2025. We’ll add the 2027 figures here when they’re released.
What are the HSA limits for 2027?
$4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750 in 2026. People 55 or older can add $1,000.
How much can I put in an IRA in 2026?
$7,500, or $8,600 if you’re 50 or older, across all your traditional and Roth IRAs combined, and no more than your earned income for the year.
Do I have to make catch-up contributions to a Roth account?
From 2026, yes, if your FICA wages from that employer were over $150,000 the year before. Catch-up contributions to the plan must then go into its Roth account.

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