How much you can put in a 401(k) or IRA this year (2026)

Pick the account and your age. We look up the official yearly dollar cap. Estimate, not tax advice.

Which account and age are required. How much you already plan to put in is optional.

Which account is this for? IRA extra at 50 or older is $1,100. That is only for an IRA. Workplace 401(k) extra at 50 or older is $8,000. Ages 60–63 use $11,250 instead of $8,000. Those workplace extras are not for an IRA. We do not have an official dollar here for SIMPLE plans.

How old will you be at the end of 2026? The extra amount for older savers depends on the age you will be on December 31, 2026. Use that age, not the age you are today if your birthday is still coming.

How much do you already plan to put in this year? (optional) Leave this blank to only see the official cap. If you type a dollar amount, we tell you whether it is under or over that cap.

Sources

Dollars on this page come only from these official links. Last opened 2026-08-25. If a case is not on those pages, we do not invent a dollar.

Source	What we use	Official page
IRS 2026 newsroom post	Workplace-plan employee cap $24,500. Age 50+ extra $8,000 ($32,500 total). Ages 60, 61, 62, and 63 extra $11,250 instead of $8,000. IRA cap $7,500. Age 50+ IRA extra $1,100.	401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
IRS Notice 2025-67	Same 2026 dollar caps as published in the notice	Notice 2025-67 (PDF)

What this number is

Under this dollar, you are within the official yearly cap; over it, the IRS does not let you put more in that account this year.
The workplace number is what you can put in from your pay in 2026 for a 401(k), 403(b), government 457, or TSP. It is not what your employer adds.
IRA extra at 50 or older is $1,100. That is only for an IRA.
Workplace 401(k) extra at 50 or older is $8,000. Ages 60–63 use $11,250 instead of $8,000. Those workplace extras are not for an IRA.
We do not have official dollars here for SIMPLE plans, Roth or traditional income cutoffs, or the Saver’s Credit. Those cases are on the IRS pages but are not this calculator.

This is an estimate, not tax advice or a quote. Your plan or IRA custodian can still set a lower number.