--- title: New Retirement Contributions for 2026 description: What is an Emergency Fund? And Other Financial Planning Facts image: https://blog.scmadvice.com/hubfs/New%20Limits%20Image.png --- - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/) - [Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/who-we-are/) - [Our Story](https://scmadvice.com/our-story/) - 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[401(k) (1)](https://blog.scmadvice.com/tag/401k) - [Investing (1)](https://blog.scmadvice.com/tag/investing) See all ### Popular posts - [![What To Do Now That You’ve Received Your Inheritance](https://blog.scmadvice.com/hubfs/SCM-inheritance.jpg)](https://blog.scmadvice.com/now-that-youve-received-your-inheritance) [What To Do Now That You’ve Received Your Inheritance](https://blog.scmadvice.com/now-that-youve-received-your-inheritance) by [Shawn J. Walker](https://blog.scmadvice.com/author/shawn-j-walker) - [![Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/hubfs/401k.jpeg)](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) by [Gregory S. 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Although these adjustments won’t bring any major changes, there are some minor elements to note. Individual Retirement Accounts (IRAs) IRA contribution limits are up $500 in 2026 to $7,500. Catch-up contributions for those over age 50 are up $100 to $1,100, bringing the total limit to $8,600. Roth IRAs The income phase-out range for Roth IRA contributions increases to $153,000-$168,000 for single filers and heads of household. For married couples filing jointly, the phase-out will be $242,000 to $252,000. Married individuals filing separately see their phase-out range remain at $0-10,000.    Workplace Retirement Accounts Those with 401(k), 403(b), 457 plans, and similar accounts will see a $1,000 increase for 2026, the limit rising to $24,500. Those aged 50 and older will now have the ability to contribute an extra $8,000, bringing their total limit to $32,500. Those aged 60, 61, 62, and 63 may enjoy a higher catch-up contribution of $11,250, raising their total contribution limit to $35,750. Starting in 2026, higher earners age 50 and older must make catch-up contributions as Roth contributions. A “higher earner” is someone with more than $150,000 in 2025 FICA wages. With Roth contributions, you pay taxes upfront but won’t owe taxes on qualified withdrawals or investment earnings.    SIMPLE Accounts A $500 increase in limits for 2026 gives individuals contributing to this incentive match plan a $17,000 stoplight. Pursuant to the Secure Act 2.0, certain applicable plans have an increased limit of $18,100.   Other Changes In addition to contribution limit changes, the IRS also announced several other amendments for 2026, including an increase to the annual exclusion for gifts to $19,000 per person and an increase to the estate tax exclusion threshold. Keep in mind that we provide updates for informational purposes only, so consult with your tax professional before making any changes in anticipation of the new 2026 levels. You can also [contact](https://info.scmadvice.com/contact-us) our offices, and we can provide you with information about the pending changes. *Securities offered through Independent Financial Group, LLC (IFG), a registered broker-dealer. Member FINRA/SIPC. Advisory services offered through Scarborough Capital Management, a federally registered investment Adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. IFG and Scarborough Capital Management are unaffiliated entities. 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