How Much Can I Save This Year?
2026 limits · reviewed September 5, 2026
Adds up how much you can put into retirement and health savings accounts this year, at your age. AboutLess
In plain words. The government sets a yearly limit on each kind of tax-advantaged account: your workplace plan, an IRA, and a health savings account. From age 50 you can add a catch-up amount, larger in the years you are 60 through 63, and from 55 for the health account. This tool takes your age, your plan, your health coverage, and a spouse's age, and adds up the total with each account on its own line.
Why it matters. The catch-ups are the largest savings opportunity of the late working years, and the 60-through-63 amount is new enough that many people miss it.
An example. At 61 with a 401(k), family health coverage, and a spouse who is 58, the household can put away about $63,700 this year, of which about $15,450 is catch-ups.
Where it stops. Whether an IRA contribution is deductible, and whether a Roth IRA is open to you, depends on your income, which this does not check. Employer matching sits on top of these figures. Everything it leaves out.
Ages 60 through 63 get a larger catch-up in a workplace plan.
Enter 0 if you have no spouse. A spouse with no earnings can still fund an IRA using your earnings.
| Account | Base limit | Catch-up | Total | Note |
|---|---|---|---|---|
| 401(k), 403(b), or 457 | $24,500 | $11,250 | $35,750 | The larger catch-up for ages 60 through 63; Roth-only if last year's wages were over 150,000 |
| Your IRA (traditional or Roth) | $7,500 | $1,100 | $8,600 | With the age-50 catch-up; deductibility and Roth eligibility depend on income |
| Spouse's IRA (traditional or Roth) | $7,500 | $1,100 | $8,600 | With the age-50 catch-up; deductibility and Roth eligibility depend on income |
| HSA, family coverage | $8,750 | $2,000 | $10,750 | With the age-55 catch-up (a spouse's goes in the spouse's own HSA) |
The workplace plan catch-up is $8,000 a year from age 50. In the years you are 60 through 63 it rises to $11,250, then goes back to the smaller amount at 64. The IRA catch-up is $1,100 from 50. The HSA catch-up is $1,000 from 55, per person. A spouse's HSA catch-up must go into the spouse's own account.
This uses the 2026 contribution limits the IRS published in Notice 2025-67 and Rev. Proc. 2025-19. It does not tell you whether an IRA contribution is deductible or whether a Roth IRA is open to you, since both depend on your income and plan coverage. It leaves out a 457 plan's special three-year catch-up, the employer share, and after-tax contributions. Educational, not advice.
This is a simplified model, not your actual tax return or plan. It only knows what you type in, leaves out rules that may apply to you, and cannot weigh the other facts and trade-offs a real decision depends on. Before you act, talk with a professional who knows your whole situation.
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.