Know How to Max Out Contributions

March 18, 2026

If you’re gearing up for retirement, it’s beneficial to max out all available retirement account contributions whenever possible. Doing so promotes growth of wealth for the future and can also provide certain tax benefits and savings depending on your personal strategy.

This year brings a few changes in these limits – especially for those over the age of 50.

  1. Workplace Retirement Plans

·  Employee deferral limit: $24,500

·  Age 50+ catch‑up: $8,000

·  Total if 50+: $32,500

·  “Super catch‑up” (ages 60–63): $11,250

·  Total for ages 60–63: $35,750

  • Individual Retirement Accounts

·  Base contribution limit: $7,500

·  Age 50+ catch‑up: $1,100

·  Maximum if 50+: $8,600

  • Health Savings Accounts

·  Self‑only coverage: $4,400

·  Family coverage: $8,750

·  Age 55+ catch‑up: $1,000

Every retirement plan is different, and our team can help you see the big picture for your envisioned future. Contact us at 678-539-9518 and let’s talk about how you can best prepare in 2026.

  1. https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

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This blog is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.