2026 IRS retirement limits

401(k) Contribution Planner

Set your remaining paychecks, current deposits, age, and employer match to find the contribution rate that reaches the 2026 limit without running past the annual additions cap.

Per paycheck target$1,292.8630.8% of gross pay

Inputs

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2026 target

Employee limit$24,500$24,500 base
Still allowed$18,100
At current rate$11,104
Annual additions room$63,000
Projected total$16,056
Short by $13,396 at current payroll rateProjected progress: 45.3%
Catch-up Roth threshold not triggeredThe 2026 wage threshold checked here is $150,000.

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2026 limits used

  • Elective deferral: $24,500
  • Age 50+ catch-up: $8,000
  • Age 60-63 catch-up: $11,250
  • Annual additions limit: $72,000