How Much Can I Save This Year?
How much can I put into tax-advantaged accounts this year, at my age? Every piece below can be linked to, so it opens in a window on your reader's screen, current as of the record. No form to fill in.
2026 law · Reviewed September 5, 2026 · The full page, with methodology and sources · the terms · All tools
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Age, plan type, health coverage, and a spouse's age in; each account's limit and catch-up, and the household total, out. In a frame it carries no cookies, no tracking, and a visible link back to the methodology. Your site has to allow frames; most do. The link that opens it in a small window is on the professionals page.
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- 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.
The facts
Six quotable sentences on the 2026 limits by age.
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- 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 2026 limits by age
Every account, base and catch-up, and the age each catch-up begins.
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| 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 | — |
Cite and link.
The clean address, a citation generated from the record so it can never carry a stale review date, and an address for every section so you can point a reader at the exact table or method.
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- Link
- https://consideratecapital.com/tools/how-much-can-i-save
- Citation
- Considerate Capital, "How Much Can I Save This Year?," reviewed September 5, 2026, https://consideratecapital.com/tools/how-much-can-i-save.
Link to a section
- The calculator https://consideratecapital.com/tools/how-much-can-i-save#calculator
- The facts https://consideratecapital.com/tools/how-much-can-i-save#facts
- The limits by age https://consideratecapital.com/tools/how-much-can-i-save#key-numbers
- How the limits stack https://consideratecapital.com/tools/how-much-can-i-save#how-it-works
- Methodology https://consideratecapital.com/tools/how-much-can-i-save#methodology
- Sources https://consideratecapital.com/tools/how-much-can-i-save#sources
- Revision history https://consideratecapital.com/tools/how-much-can-i-save#revision-history
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