If you participate in an eligible retirement plan, including employer-sponsored retirement plans and IRAs, you can make catch-up contributions starting the year you turn 50. The chart below shows the IRS contribution limits for eligible plans. These limits are typically adjusted annually for inflation, so you’ll need to check those each year. See the Retirement Plan Contribution Limits page for more details, and consult with a tax or financial professional regarding your specific circumstances.
2026 limits with catch-up contributions (ages 50 to 59 and 64+)
401(k), 403(b), governmental 457(b)*
Regular limit: $24,500
Age-based catch-up limit: +$8,000
Total: $32,500
*Catch-up contributions do not apply to nongovernmental 457(b) plans. Regular limits for some 457(b) plans may differ. Check with your employer for details. Contribution limits for 457(b) plans do not count toward contribution limits on other types of employer-sponsored retirement plans such as 403(b) and 401(k) plans. For example, if you’re 50 or over you may be able to contribute $32,500 to a 457(b) and to a 403(b) for a total of $65,000 for 2026.
Traditional and Roth IRAs (combined total)
Regular limit: $7,500
Age-based catch-up limit: +$1,100
Total: $8,600
SIMPLE IRA, SIMPLE 401(k)
Regular limit: $17,000
Age-based catch-up limit: +$4,000
Total: $21,000
403(b) service-based catch-ups
For employees with 15 or more years of service who work for a qualifying employer and have undercontributed in prior years
Regular limit with age-based catch-up: $32,500
Service-based catch-up limit: +$3,000
Total: $35,500
457(b) service-based catch-up
For employees who have undercontributed in prior years and are within the last three taxable years prior to the year they reach normal retirement age as specified under the plan (age-based and service-based catch-up contributions cannot be combined but you can choose the higher of the two)
Regular limit: $24,500*
Service-based catch-up limit: +$24,500
Total: $49,000
*Regular limits for some 457(b) plans may differ. Check with your employer for details. Contribution limits for 457(b) plans do not count toward contribution limits on other types of employer-sponsored retirement plans such as 403(b) and 401(k) plans.