Federal data trackers
2026 401(k), IRA, and HSA Contribution Limits
The maximum you can contribute to tax-advantaged accounts in 2026, set annually by the IRS (retirement and HSA) and the SSA (Social Security wage base).
Tax year 2026 (IRS / SSA)
2026 retirement contribution limits
| Account | Standard limit | Catch-up (age 50+) |
|---|---|---|
| 401(k) employee deferral | $24,500 | $8,000 |
| IRA (traditional or Roth) | $7,500 | $1,100 |
2026 HSA contribution limits
| Coverage | Limit | Catch-up (age 55+) |
|---|---|---|
| Self-only | $4,400 | $1,000 |
| Family | $8,750 | $1,000 |
2026 Social Security wage base
| Item | Amount |
|---|---|
| Social Security (OASDI) taxable wage base | $184,500 |
Sources
Frequently asked questions
Can I contribute to both a 401(k) and an IRA?
Yes. The 401(k) and IRA limits are separate, so you can contribute up to both in the same year. Whether your IRA contribution is deductible can depend on your income and workplace-plan coverage.
Does the employer match count toward the 401(k) limit?
No. The limit shown is the employee elective-deferral limit. Employer matching contributions are tracked under a separate, higher overall limit.