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Open professional binder on dark mahogany desk with desk calendar — representing 401k retirement contribution planning
US Finance · 8 min read

401(k) Contribution Limits 2026: The New Three-Tier Catch-Up Rules

The IRS set three distinct 401k contribution limits for 2026: $24,500 for workers under 50, $32,500 for those aged 50–59 and 64+, and a new $35,750 super catch-up for workers aged 60–63. Here's what changed, why it matters, and how to calculate the long-term impact on your retirement.