401k 2026 contribution limit include employer match max
waypin
2026-02-21 16:55:27
( reads)
is NOT
$100,000
For 2026, the 401(k) contribution limit for those aged 50 or older is $32,500 in employee elective deferrals (including the $8,000 catch-up). When including employer matching contributions, the total maximum contribution from both parties is $72,000 for 2026, or $80,000 including catch-up contributions for those 50+
Key 2026 401(k) Limits for Age 50+
- Employee Elective Deferrals: $24,500.
- Catch-Up Contribution (Age 50+): $8,000.
- Total Employee-Only (Age 50+): $32,500 ($24,500 + $8,000).
- Total Combined (Employee + Employer): $72,000 (plus catch-up, bringing total potential to $80,000).
- Alternative "Super" Catch-Up (Age 60-63): $11,250 instead of $8,000.