{"id":17737,"date":"2025-11-17T09:50:45","date_gmt":"2025-11-17T14:50:45","guid":{"rendered":"https:\/\/gtm.com\/business\/?p=17737"},"modified":"2026-04-02T14:50:22","modified_gmt":"2026-04-02T18:50:22","slug":"2026-retirement-plan-limits","status":"publish","type":"post","link":"https:\/\/gtm.com\/business\/2026-retirement-plan-limits\/","title":{"rendered":"Just Released: IRS Announces 2026 Retirement Plan Limits"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-17738\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/11\/pexels-rdne-8124254.jpg\" alt=\"2026 retirement plan limits\" width=\"1024\" height=\"682\" srcset=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/11\/pexels-rdne-8124254.jpg 1024w, https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/11\/pexels-rdne-8124254-980x653.jpg 980w, https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/11\/pexels-rdne-8124254-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/p>\n<p><audio controls><source src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2026\/04\/Just-Released-IRS-Announces-2026-Retirement-Plan-Limits.mp3\" type=\"audio\/mpeg\">Your browser does not support the audio element.<\/audio><\/p>\n<p>The <a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-25-67.pdf\" target=\"_blank\" rel=\"noopener\">IRS has released Notice 2025-67<\/a>, which contains cost-of-living adjustments for 2026 affecting the limits on employee contributions to 401(k) plans and individual retirement accounts (IRAs).<\/p>\n<h2>Key Changes for 2026<\/h2>\n<p>The employee contribution limit for <strong>401(k) plans in 2026 has increased to $24,500<\/strong>, up from $23,500\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">in 2025, and the employee contribution limit for\u00a0<strong>IRAs in 2026 has increased to $7,500<\/strong>, up from $7,000 in<\/span>\u00a02025.<\/p>\n<p>Other key limits include the following:<\/p>\n<ul>\n<li>The IRA catch\u2011up contribution limit for individuals aged 50 and over increased to $1,100, up from $1,000 for 2025 (this limit now includes an annual cost\u2011of\u2011living adjustment because of legislation enacted at the end of 2022, referred to as \u201cSECURE 2.0\u201d).<\/li>\n<li>The employee contribution limit for SIMPLE IRAs and SIMPLE 401(k) plans is increased to $17,000, up from $16,500. Pursuant to a change made in SECURE 2.0, individuals can contribute a higher amount to certain applicable SIMPLE retirement accounts\u2014for 2026, this higher amount is increased to $18,100, up from $17,600.<\/li>\n<li>The limit for defining a \u201chighly compensated employee\u201d remains unchanged at $160,000.<\/li>\n<li>The limit for defining a \u201ckey employee\u201d is increased to $235,000, up from $230,000.<\/li>\n<li>The annual limit for defined contribution plans (for example, 401(k) plans, profit-sharing plans, and money purchase plans) is increased to $72,000, up from $70,000.<\/li>\n<li>The annual compensation limit (applicable to many retirement plans) is increased to $360,000, up from $350,000.<\/li>\n<li>The catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal government\u2019s Thrift Savings Plan is increased to $8,000, up from $7,500. Under a change made in SECURE 2.0, a higher catch-up contribution limit applies to participants ages 60-63; these participants can contribute up to $11,250 for 2026 (instead of $8,000), which is unchanged from 2025.<\/li>\n<\/ul>\n<p>The income ranges for determining eligibility to make deductible contributions to traditional IRAs, contribute to Roth IRAs, and claim the Saver\u2019s Credit (also known as the Retirement Savings Contributions Credit) also increased for 2026.<\/p>\n<h2>More Information<\/h2>\n<p>The IRS\u2019s <a href=\"https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500\" target=\"_blank\" rel=\"noopener\">news release<\/a> contains more details on the cost-of-living adjustments for 2026.<\/p>\n<p><em>\u00a9 2025 Zywave, Inc. All rights reserved.<\/em><\/p>\n<h2>Easily Manage Your Employee Retirement Plans in GTM\u2019s HCM Platform<\/h2>\n<p>Does your payroll platform make it easy to manage your company\u2019s 401 (k) or other retirement deductions for your employees? isolved, <a href=\"https:\/\/gtm.com\/business\/what-we-offer\/human-capital-management\/\">GTM\u2019s HCM platform<\/a><span data-teams=\"true\"><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><a href=\"https:\/\/gtm.com\/business\/what-we-offer\/human-capital-management\/\" target=\"_blank\" rel=\"noopener\">,\u00a0<\/a>can not only make the deductions for you but also remit funds to your plan provider on your behalf, saving you time and reducing<\/span>\u00a0the risk of error.\u00a0<a href=\"https:\/\/gtm.com\/business\/get-a-quote\/\">Get a free quote today<\/a>\u00a0to learn more.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn the 2026 amount limits employees can contribute to 401(k) plans and individual retirement accounts (IRAs).<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[232],"tags":[20,26,101,36],"post_folder":[],"class_list":["post-17737","post","type-post","status-publish","format-standard","hentry","category-gtm-biz-blog-isolved","tag-employee-benefits","tag-irs","tag-retention","tag-retirement"],"_links":{"self":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/comments?post=17737"}],"version-history":[{"count":5,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17737\/revisions"}],"predecessor-version":[{"id":18352,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17737\/revisions\/18352"}],"wp:attachment":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/media?parent=17737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/categories?post=17737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/tags?post=17737"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/post_folder?post=17737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}