How Much Can I Save This Year?: the facts

1. The 2026 limit for a 401(k), 403(b), or 457 plan is $24,500 of your own money; from age 50 a catch-up of $8,000 is added, and in the years you are 60 through 63 the catch-up is $11,250 instead (Notice 2025-67).
2. Catch-up contributions must go into a Roth account if your wages from that employer were over $150,000 the year before.
3. The IRA limit is $7,500, plus $1,100 from age 50, for a traditional and a Roth IRA together; a spouse with little or no earnings can fund one on the working spouse's income.
4. A health savings account takes $4,400 for self-only coverage or $8,750 for family coverage, plus $1,000 from age 55, for anyone on a high-deductible health plan; a spouse's catch-up needs the spouse's own account.
5. Example: at 61, with a 401(k), family HSA coverage, and a 58-year-old spouse, the household can put away $63,700 this year in tax-advantaged accounts, $15,450 of it in catch-ups.
6. Employer contributions sit on top of your own, up to $72,000 in all for 2026, and a SIMPLE IRA has its own limits of $17,000, $4,000 more from 50 and $5,250 at 60 through 63.

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