2026 Complete Guide to 401(k) & IRA Annual Contribution Limits
Employee 401(k) limit $23,500, catch-up $7,500, total addition $70,000, IRA $7,000. Full breakdown with phase-out ranges.
Updated June 2026Expert-written guides on 401(k), IRA, Social Security, FIRE, Roth conversion, RMD, and more. All data sourced from IRS and SSA publications.
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Employee 401(k) limit $23,500, catch-up $7,500, total addition $70,000, IRA $7,000. Full breakdown with phase-out ranges.
Updated June 20262026 PIA formula with bend points $1,174 and $7,078. Compare claiming at 62, 67, or 70 with break-even analysis.
Updated June 2026SECURE 2.0 changes, Uniform Lifetime Table, calculation examples, and strategies to minimize RMD taxes.
Updated June 2026Multi-year conversion ladders, bracket management, IRMAA considerations, and optimal timing windows.
Updated June 2026Tax implications, income limits, phase-out ranges, and which is better based on your situation.
Updated June 2026Savings rate math, Lean/Regular/Fat FIRE, 4% rule, withdrawal strategies, and healthcare planning.
Updated June 202610% penalty rules, Rule of 55, 72(t) SEPP, hardship exemptions, and 401(k) loan alternatives.
Updated June 2026Trinity Study origins, criticism for early retirees, dynamic withdrawal strategies, and conservative alternatives.
Updated June 2026Common match structures, vesting schedules, and why maximizing your match is essential.
Updated June 2026Historical inflation data, purchasing power erosion, TIPS and I-Bond strategies, and inflation-adjusted withdrawal planning.
Updated June 2026Eligibility, contribution limits up to $70,000, Roth option, and comparison with SEP IRA.
Updated June 2026Contribution rules, income limits, deduction phase-outs, and strategies for one-income households.
Updated June 2026Balancing college savings vs retirement, spousal IRA alternatives, and tax-advantaged strategies for single parents.
Updated June 2026Which states tax Social Security benefits, combined income thresholds, and retirement relocation considerations.
Updated June 2026Deadline reminders, Roth conversion windows, tax-loss harvesting, RMD deadlines, and last-minute contribution strategies.
Updated June 2026