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401(k) Contribution Limit For 2026: IRS Increases Savings Cap For Next Year

The agency announced that the employee deferral limit for 2026 is $24,500, an increase from $23,500 in 2025.

In this photo illustration, the Internal Revenue Service (IRS) logo is seen displayed on a smartphone screen and the United States flag in the background. (Photo Illustration by Thomas Fuller/SOPA Images/LightRocket via Getty Images)

Rounak Jain·Stocktwits

Published Nov 13, 2025 | 11:12 AM EST

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The Internal Revenue Service (IRS) on Thursday announced an increase in the 401(k) contribution limits for 2026.

The agency stated that the employee deferral limit for 2026 is $24,500, up from $23,500 in 2025. Apart from 401(k)s, the new limit also applies to 403(b)s, governmental 457 plans, as well as the federal Thrift Savings Plan.

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