CONTRIBUTION & INCOME LIMITS

*This page will be updated annually as the contribution limits are published. Track your contribution limits using my spreadsheet and avoid the penalties of contributing too much.

CONTRIBUTION LIMITS

RETIREMENT ACCOUNTS	2025 Limit	2026 Limit	Change
401(k)/403(b) Employer-Sponsored Retirement Plan	$23,500	$24,500	$1000
401(k)/403(b) (Age 50+)	$31,000	$32,500	$1,500
401(k)/403(b) Total Contribution (Under Age 50)	$70,000	$72,000	$2,000
401(k)/403(b) Total Contribution (Age 50+)	$N/A	$N/A	$N/A
457(b) Deferred Compensation Plan	$23,500	$24,500	$1.000
415 DC (Defined Contribution) Plan	$70,000	$72,000	$2,000
TSP (Thrift Savings Plan)	$23,500	$24,500	$500
TSP (Age 50+)	$31,000	$32,500	$1,500
Traditional IRA	$7,000	$7,500	$500
Traditional IRA (Age 50+)	$8,000	$8,600	$600
Roth IRA	$7,000	$7,500	$500
Roth IRA (Age 50+)	$8,000	$8,600	$600
SEP (Simplified Employee Pension) IRA	$70,000	$72,000	$2,000
SIMPLE IRA/SIMPLE 401(k) Plans	$16,500	$17,000	$500
HEALTHCARE ACCOUNTS	2025 Limit	2026 Limit	Change
HSA (Health Savings Account) for Individuals	$4,300	$4,400	$100
HSA (Health Savings Account) for Families	$8,550	$8,750	$200
HCFSA (Healthcare Flexible Spending Account)	$3,300	$3,400	$100
LEX HCFSA (Limited Expense Healthcare Flexible Spending Account)	$3,300	$3,400	$100
DEPENDENT CARE/EDUCATION	2025 Limit	2026 Limit	Change
DCFSA (Dependent Care FSA) per Household	$5,000	$7,500	$2,500
DCFSA (Dependent Care FSA) if Married Filing Separate	$2,500	$3,750	$1,250
529 Plan (Limits depend on State)	Varies	Varies	–

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