P
Pulsafi

401(k) Contribution Limits 2026

$23,500
Maximum employee 401(k) contribution (under 50)
Summary

The 401(k) employee contribution limit for 2026 is $23,500. Workers age 50 and older can contribute an additional $7,500 catch-up (total $31,000). The combined employee + employer limit is $70,000, or $77,500 with catch-up. SECURE 2.0 introduced an enhanced catch-up of $11,250 for ages 60-63.

Breakdown

Employee limit (under 50)$23,500
Employee catch-up (50+)+$7,500 = $31,000
Enhanced catch-up (60-63)+$11,250 = $34,750
Combined employer + employee (under 50)$70,000
Combined w/ catch-up (50+)$77,500
Source
IRS Notice 2024-80· As of 2026-Q1

Related stats

IRA Contribution Limits 2026 →HSA Contribution Limits 2026 →

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Average 401(k) Balance by AgeMedian 401(k) Balance by AgeIRA Contribution Limits 2026HSA Contribution Limits 2026Average Social Security Benefit 2026Maximum Social Security Benefit 2026
All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.