IRS Raises 2026 401(k) and IRA Contribution Limits: What the New Rules Mean for Your Retirement Savings
As of November 19, 2025, Americans have official IRS numbers for how much they can stash in tax-advantaged retirement accounts in 2026 — and the limits are going up. Key takeaways IRS unlocks more room to save in 2026 On November 13, 2025, the IRS released Notice 2025‑67 and news release IR‑2025‑111, formally announcing cost‑of‑living adjustments for retirement plans that take effect on January 1, 2026. irs.gov+1 The headline change: workers will be able to contribute more to most major retirement accounts, including 401(k), 403(b), governmental 457 plans, the federal Thrift Savings Plan and IRAs. For 2026: These adjustments follow the usual inflation-indexed formula