Waypoint Partners

📣 2026 Retirement Contribution Limits

Great news for savers! The IRS has released the updated retirement plan contribution limits for 2026, giving you even more opportunities to strengthen your financial future.

Here’s what’s changing next year:

Traditional & Roth IRA Limits
• $7,500 annual contribution limit (up from $7,000)
• $1,100 catch up contribution for individuals age 50+ [irs.gov]

401(k), 403(b) & Most 457 Plans
• $24,500 annual contribution limit (up from $23,500)
• $8,000 catch up contribution for savers age 50+
• $11,250 “super catch up” for ages 60–63 (if plan allows) [irs.gov] [experian.com]

These increases can help you save more, reduce taxes, and stay on track toward long term retirement goals.

If you’re unsure how to adjust your strategy for 2026, our team is here to help you make the most of these updated limits.

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