401k Contribution Limits Guide for Retirement Planning (2026)
Maximize 401k contributions: annual limits, catch-up contributions, employer match, and retirement savings optimization.
Summary
401k limits reset annually. This guide explains contribution limits, catch-up rules, and maximization strategies.
Key Steps
- 1Know employee limit: $23,000 for 2025, increases with inflation.
- 2Add catch-up: age 50+ can contribute additional $7,500 annually.
- 3Include employer match: total contribution (employee + employer) up to $69,000.
- 4Maximize match: contribute at least enough to get full employer match.
- 5Consider Mega Backdoor: after-tax contributions up to total limit.