IRS raises 2026 retirement limits due to inflation and SECURE 2.0 Act.

The IRS has set 2026 retirement contribution limits higher due to inflation and the SECURE 2.0 Act. 401(k), 403(b), 457, and Thrift Savings Plan limits rise to $24,500 from $23,500. Workers 50 and older can contribute up to $8,000 in catch-up contributions, totaling $32,500, with those 60–63 eligible for a $11,250 catch-up limit. IRA limits increase to $7,500, with $1,100 catch-up contributions. Phase-out ranges for traditional and Roth IRA deductions also expand to help more taxpayers save.