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2026 Retirement Plan Contribution Limits

The Internal Revenue Service (IRS) today announced its annual update to dollar limitations for retirement plans for the 2026 tax year. The table below provides a few highlights.

The IRS today announced the updated retirement plan contribution limits for the 2026 tax year. These adjustments reflect cost-of-living changes and help individuals and employers plan more effectively for retirement savings and benefits strategy.

If you contribute to a 401(k), 403(b), 457(b), traditional individual retirement account (IRA), Roth IRA, or manage a workplace retirement plan, now is a great time to review the thresholds and adjust your contributions accordingly.

The new limits may present opportunities to increase tax-deferred savings or fine-tune retirement strategies in alignment with your long-term goals.

Below is a snapshot of the 2026 contribution limits.

Source: “2026 Amounts Relating to Retirement Plans and IRAs, as Adjusted for Changes in Cost-of-Living,” IRS

Whether you’re optimizing your personal retirement contributions or reviewing employer-sponsored plan limits, our advisors are here to guide you through what these changes could mean for your financial future.

Align Your Strategy with the New 2026 IRS Contribution Limits

To learn more about how these changes may impact your plan or portfolio, contact your CAPTRUST financial advisor at 800.216.0645, or visit our locations page to connect with an advisor near you.

This content is provided for educational purposes only, and does not constitute an offer, solicitation, or recommendation to sell or an offer to buy securities, investment products, or investment advisory services. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Nothing contained herein constitutes financial, legal, tax, or other advice. Consult your tax and legal professional for details on your situation.

Have questions? Need help? Call the CAPTRUST at Work Desk at 800.967.9948, or schedule an appointment with a retirement counselor today.

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