401k Contribution Limits Guide for 2026 Tax Year
2026 401k contribution limits: employee limits, employer matching, catch-up contributions, and combined limits for retirement savings optimization.
Summary
401k contribution limits increase annually. This guide explains 2026 limits, employer matching optimization, catch-up contributions for age 50+, and combined contribution caps.
Key Steps
- 1Know 2026 employee limit: $23,000 standard contribution.
- 2Add catch-up contribution: $7,500 additional if age 50+.
- 3Calculate employer match: maximize free money from company match.
- 4Track combined limit: $69,000 total (employee + employer + catch-up).
- 5Optimize contributions to hit match threshold without exceeding limits.