2026 Cost of Living Adjustments for Retirement Plans
Updated contribution limits: Review the increased employee contribution limits for 401(k) plans and IRAs in 2026, giving savers more opportunity to build tax‑advantaged savings.
Catch-up contribution opportunities: Learn how participants age 50 and older can contribute additional amounts as they near retirement.
Overall limits and other adjustments: Understand the updated total contribution limits for 401(k) plans, along with higher compensation limits and income thresholds affecting Roth and deductible IRAs.
Each year, the IRS adjusts the contribution limits for retirement plans like IRAs and 401(k)s to keep up with inflation. These cost-of-living adjustments (COLAs) can affect how much employees can contribute and how employers administer their plans.
Download this PDF to review 2026 COLA updates so you and your employees understand the latest contribution, catch‑up, and overall plan limits for the upcoming year.