A quiet tool

The limits go up with age. Here is your total.

Your workplace plan, your IRA, and your health savings account each have a yearly limit, and each opens a catch-up at a different age. Enter your age and your spouse's and see the whole household's room for the year.

2026 limits from the IRS notices · Last reviewed September 5, 2026 · Facts · The table · Methodology

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Your age this year

Ages 60 through 63 get a larger catch-up in a workplace plan.

Your spouse's age this year

Enter 0 if you have no spouse. A spouse with no earnings can still fund an IRA using your earnings.

Your workplace plan

401(k), 403(b), or 457SIMPLE IRANo workplace plan

Your health coverage

No high-deductible planSelf-only coverageFamily coverage

A health savings account, or HSA, is only open to people on a high-deductible health plan.

What you can put away in 2026

$63,700

That is the total of the limits for the accounts you chose, counting only your own money. $15,450 of it is catch-up room, extra space the law allows because of your age. An employer's match does not count against it.

Each account's limit and catch-up
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.

Built by Joshua Mangoubi, CFA, MBA. By using this tool you agree to the tool terms, which include that results vary with each use and over time. Cite this tool, or take a table or chart

How it counts. Each account's limit and catch-up for the ages entered, from the annual record, added into one household total with the catch-ups shown separately.

What it assumes. Your own contributions only, with the employer's match on top. Whether the IRA is deductible, and whether a Roth is open to you, depends on your income; the retirement numbers page has those phase-outs, and a CPA has the answer for your return.

Where we fit in. We integrate tax considerations into your investment strategy and collaborate with estate attorneys and CPAs to ensure your plan is coordinated. We are not a law firm or accounting firm, so we do not provide legal or tax advice. Everything in this material is for educational purposes, based on primary sources. Before taking any action, please consult the appropriate professionals to apply these ideas to your situation.

The facts, in one place.

Six quotable sentences on the 2026 limits by age.

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).
Catch-up contributions must go into a Roth account if your wages from that employer were over $150,000 the year before.
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.
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.
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.
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.

The limits by age.

Every account, base and catch-up, and the age each catch-up begins.

Contribution limits and catch-ups for 2026 (Notice 2025-67; Rev. Proc. 2025-19)
Account	Base limit	Catch-up	From age
401(k), 403(b), 457	$24,500	$8,000; $11,250 at 60 through 63	50
SIMPLE IRA	$17,000	$4,000; $5,250 at 60 through 63	50
IRA (traditional and Roth together)	$7,500	$1,100	50
HSA, self-only coverage	$4,400	$1,000	55
HSA, family coverage	$8,750	$1,000 per spouse 55+, in separate accounts	55
Employee plus employer, all plans	$72,000	Catch-ups on top	—

How the limits stack.

Each tax-advantaged account has its own yearly limit, and each limit grows with age at a different point. The workplace plan takes an employee's own deferrals up to one figure, plus a catch-up from 50, replaced by a larger catch-up in the years the employee is 60 through 63 and back to the smaller one at 64. The IRA limit covers traditional and Roth together, with its own catch-up from 50, and a spouse with little income can fund one on the working spouse's earnings. The health savings account, for anyone on a high-deductible plan, has a self-only and a family figure and a catch-up from 55 that each spouse takes in their own account.

The limits are independent, so a household can use all of them in the same year, and the total is larger than most people assume. What the limits do not decide is whether an IRA contribution is deductible or a Roth IRA is open at all; those depend on income and on whether a workplace plan covers the person, and the retirement numbers page carries the phase-outs.

Methodology.

Inputs. Your age, your workplace plan type, your health coverage, and a spouse's age (0 for none).
The lines. The plan's deferral limit and the catch-up for your age (50 and over; 60 through 63); the IRA limit and catch-up for you and for a spouse; the HSA limit for the coverage and the catch-up for each spouse 55 or older. All from the annual record: the IRS notice on plan limits and the revenue procedure on HSA figures.
The total. The sum of the lines; the catch-ups within it are reported separately.
Validation. A 45-year-old with a plan and an IRA; a 61-year-old with a 58-year-old spouse and family coverage, summed by hand; the return to the age-50 amount at 64; and a SIMPLE plan at 52. A transcription error fails the build.
Not modeled. IRA deductibility and Roth eligibility by income, the Roth-only rule for catch-ups above the wage threshold beyond noting it, the employer share and the overall plan limit, after-tax contributions, a 457 plan's three-year catch-up, and a spouse's own workplace plan. Educational, not advice.

Sources.

1. Internal Revenue Service, Notice 2025-67 — 2026 Amounts Relating to Retirement Plans and IRAs, as Adjusted for Changes in Cost-of-Living. Every plan, IRA, SIMPLE, catch-up, compensation, phase-out, and QCD figure in the retirement-plans section. Retrieved September 4, 2026; verified September 4, 2026.
2. Internal Revenue Service, Rev. Proc. 2025-19 — 2026 inflation adjusted amounts for Health Savings Accounts. The HSA contribution limits, the high-deductible plan minimum deductibles, and the out-of-pocket maximums. Retrieved September 4, 2026; verified September 4, 2026.
3. United States Code (Cornell LII), 26 U.S.C. § 223(b)(3) — Additional contributions for individuals 55 or older. The $1,000 HSA catch-up, which is statutory and not indexed. Retrieved September 4, 2026; verified September 4, 2026.

Revision history.

This tool reads the annual record; its history is below.

September 5, 2026: Added the senior deduction's phase-out rate (6 percent of MAGI over the threshold), which the widow's penalty and QCD tools apply.
September 4, 2026: First release of the annual numbers record and page for 2026, and of the IRMAA tool built on its Medicare section: plan and IRA limits from Notice 2025-67, HSA figures from Rev. Proc. 2025-19, Social Security figures from the Federal Register notice, Medicare premiums and both income-related tables from the CMS fact sheet, the standard deduction and gift exclusion from Rev. Proc. 2025-32, and the senior deduction from the IRS's OBBBA guidance.

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