Resolve to save more in 2026!

457(b), 403(b), and Thrift Savings Plans

The contribution limit for employees who participate in a 457(b) plan, 403(b) plan, or the federal government’s Thrift Savings Plan is $24,500 in 2026 (UP from $23,500 in 2025).

Catch-Up Contributions

The catch-up contribution limit for individuals age 50+ is $8,000 in 2026 (UP from $7,500 in 2025).

Plan permitting, individuals age 60-63 may take advantage of a “super” catch-up rule under SECURE 2.0, allowing for additional catch-up contributions up to $11,250 (same as in 2025).

For those with prior-year FICA wages exceeding $150,000, please note that age-based catch-up contributions to 457(b) plans must be made on a Roth basis going forward.

Defined Contribution Plans in Total

The total contribution limit for defined contribution plans is $72,000 in 2026 (UP from $70,000 in 2025).

IRAs

The contribution limit to an Individual Retirement Account (IRA) increases to $7,500 in 2026 (UP from $7,000 in 2025).

For Additional Details:

Read the IRS’ full announcement HERE.

Contact your RPA Financial Advisor to increase your retirement plan contributions.