401k Contribution Limits Guide (2026) - IRS Limits & Employer Match
2026 401k contribution limits: employee limits, employer match, catch-up contributions, and total contribution ceiling.
Summary
401k contribution limits for 2026: $23,000 employee limit, $69,000 total limit including employer. Catch-up contributions for age 50+.
Key Steps
- 1Employee limit: $23,000 for 2026 (unchanged from 2025).
- 2Catch-up: additional $7,500 for age 50+, total $30,500.
- 3Total limit: $69,000 combined employee + employer contributions.
- 4Employer match: typically 50% of contributions up to 6% of salary.
- 5High earners: may face limits due to IRS discrimination testing.