2026 Retirement Account Contribution Limits

Limits courtesy of The Finance Buff and his early inflation projections. With the federal government shutdown, the official numbers may be further delayed.

The ones that pertain to our 2026 savings plan:

Account2026 Contribution LimitIncrease from 2025Notes
Mrs. 403b$24,500+$1,000Roth 403b
Mrs. 457b$24,500+$1,000
Mrs. HSA$8,750+$200family coverage
Mrs. Roth IRA$7,500+$500
Mr. Roth IRA$8,600+$1,600someone turns 50
Total$73,850+$4,300