The Internal Revenue Service adjusts annual contribution limits for tax-preferred retirement accounts (including 401(k), 403(b), 457 plans, the federal Thrift Savings Plan, and IRAs) each year to account for inflation.
January 01, 2026
high
temporal
Describes the IRS practice of indexing retirement-account contribution limits for inflation.
For 2026, the annual contribution limit for Individual Retirement Accounts (IRAs) is $7,500, and the IRA catch-up contribution for people aged 50 and older includes a cost-of-living adjustment of $1,100.
January 01, 2026
high
temporal
Annual IRA contribution limit and catch-up amount for the 2026 tax year.