For 2026, the IRS has increased regular and catch-up contribution limits for company retirement plans and IRAs and Health Savings Accounts and Flexible Spending Accounts. These limits are summarized below.
One factor to keep in mind: Starting in 2026, if your W-2 income from your employer is more than $150,000, all of your catch-up contributions to your 401(k) or 403(b) retirement plan must be after-tax Roth contributions.
This article was authored by Michael Flaherty and Jeffrey Briskin. Michael is a senior financial advisor with Canby Financial Advisors, a SEC-registered investment adviser. SEC registration does not constitute an endorsement by the SEC nor a statement about any skill or training. Michael can be reached at 508.598.1082 or mflaherty@canbyfinancial.com. Jeffrey Briskin is Director of Marketing at Canby Financial Advisors.
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