Retirement
2026 Retirement Plan Contribution Limits
Published March 10, 2026 by NBS Team
The IRS has announced the 2026 contribution limits for retirement plans.
401(k) and 403(b) Plans
The employee deferral limit under IRC §402(g) is $24,500 for 2026. The catch-up contribution limit for those age 50 and over is $8,000.
SECURE 2.0 Super Catch-Up
Under SECURE Act 2.0, participants ages 60–63 may contribute an additional super catch-up of $11,250 for 2026.
Annual Additions Limit
The total annual additions limit under IRC §415(c) is $72,000 for 2026, covering employee deferrals, employer contributions, and forfeitures.
15-Year Service Catch-Up
Employees of 403(b) plans with 15+ years of service may be eligible for an additional $3,000 catch-up contribution.