Jeremiah Strong

Manager of Systems Administration who believes in the power of technology, the elegance of simplicity, and the undeniable greatness of cookie dough (with milk, of course).

1 minute read

With the end of 2025 fast approaching, it’s that time again - first remind yourself of last year’s limits, and then gear up for the new year ahead. This post is your straight-to-the-point, easy reference guide to the max contribution limits (with sources) for your 2026 journey.

Disclaimer: Yep, this is the United States. I am not looking for a lawsuit, just sharing reference material that I also use myself. I am not a certified financial guru, just a feller that likes technology and investing. I strongly suggest working with a certified, reputable financial advisor before you take advice from some bloke on the internet.

The Numbers - Max Retirement Amounts

Retirement Account 2025 Max 2026 Max Amount Increase
Roth IRA / Traditional IRA $7,000 $7,500 $500
HSA - Individual (Self-only) $4,300 $4,400 $100
HSA - Family Coverage $8,550 $8,750 $200
401(k) Deferral $23,500 $24,500 $1000
401(k) Annual Additions $70,000 $72,000 $2,000
IRA Catch-Up $1,000 $1,100 $100
HSA Catch-Up (55+) $1,000 $1,000 $0
401(k) Catch-Up (50+) $7,500 $8,000 $500

With inflation chasing your dollars, increase their power by investing in your retirement accounts. Hello my darling HSA account.

Ready to fact check me?

With the vastness of the internet, feel free to dive deeper with my sources:

Time to pull out the calculator

Alrighty, since the above numbers can feel daunting, I like to break out the per paycheck math notes.

2025 Total: $34,800 for your IRA, HSA (Self), and 401(k)

  • $1,450 semi-monthly
  • About $1,338.46 bi-weekly

2026 Totals: A bit higher at $36,400 to cover your IRA, HSA (Self), and 401(k). This translates to about $1,516.66 semi-monthly and $1,400 for my bi-weekly peeps.

A dollar invested today historically ends up higher one, ten, and even twenty years from now. I like those odds. But as I say in all of these posts, the present is sometimes all we are truly afforded. So do not be a miser today, rather find that financial balance that works for you.

That’s all for this one,
Jeremiah

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