The 2026 401(k) employee contribution limit is $24,500, $1,000 above 2025; the IRA limit is $7,500
Roth IRA contributions phase out between $153,000 and $168,000 of income for single filers, $242,000 and $252,000 married filing jointly · 2025 limits: 401(k) $23,500, IRA $7,000
Markets · Personal Finance · IRS · 31 Dec 2025