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2026 Tax & Retirement Limits.

The complete reference for 2026 federal tax brackets, retirement contribution limits, and key financial numbers.

Every 2026 federal tax and retirement number that drives a calculator on this site, in one place. Brackets, contribution limits, FICA wage base, Medicare premiums, capital gains tiers, estate exemptions — with the IRS source linked on every page.

Use this hub when:
  • You're filing 2026 returns or projecting 2026 take-home pay.
  • You're choosing how much to put into a 401(k), HSA, or Roth this year.
  • You're a planner or accountant who wants a single bookmarkable reference.
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2026 Federal Tax Brackets
Complete tax bracket tables for all filing statuses — Single, Married Filing Jointly, Head of Household. Standard deduction amounts included.
7 brackets: 10% – 37%
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2026 Roth IRA Limits
Contribution limits, income phase-out ranges (MAGI), and catch-up contributions for individuals age 50 and older.
$7,000 / $8,000 (50+)
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2026 401(k) Limits
Employee deferral limits, employer match maximums, catch-up contributions, and the new super catch-up for ages 60–63.
$23,500 / $31,000 (50+)
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2026 Standard Deduction
Standard deduction amounts by filing status, additional deductions for age 65+ and blind, and when to itemize instead.
$15,000 Single / $30,000 MFJ
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2026 Capital Gains Tax Rates
Long-term and short-term capital gains brackets, NIIT thresholds, collectibles rates, and depreciation recapture.
0% / 15% / 20% + 3.8% NIIT
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2026 HSA Contribution Limits
Health Savings Account contribution limits, HDHP minimum deductibles, maximum out-of-pocket, and catch-up contributions.
$4,300 Self / $8,550 Family
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2026 FICA Tax Rates
Social Security and Medicare tax rates, wage base limit, Additional Medicare Tax, and self-employment tax calculations.
SS Wage Base: $176,100
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2026 Social Security Benefits
COLA adjustment, maximum benefits at ages 62/FRA/70, earnings test thresholds, and taxation of benefits.
2.5% COLA • Max: $5,108/mo at 70
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2026 Medicare Premiums
Part B standard premium, IRMAA surcharges by income, Part A deductibles, and Part D income-based adjustments.
Part B: $185.00/mo standard
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2026 Estate & Gift Tax
Estate tax exemption, annual gift exclusion, lifetime gift exemption, GST tax, and the TCJA sunset warning.
$13.99M exemption • $19K gift
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Looking Ahead: 2027 Projected Limits

The IRS hasn't announced official 2027 limits yet, but we've published projected estimates based on expected ~3% inflation adjustments to 2026 figures. All 2027 pages include clear "projected" disclaimers.

View 2027 Projected Limits →

Frequently asked questions

What's new in 2026 vs 2025?

401(k) deferral limit rises to $23,500 (was $23,000). Standard deduction is $15,000 single / $30,000 MFJ. Social Security COLA is 2.5%. SS wage base is $176,100. HSA limits rise to $4,300 self / $8,550 family. Estate exemption is $13.99M.

Where does this data come from?

The IRS Revenue Procedure 2025-32 and related notices, plus the SSA's annual COLA release. Every leaf page links to its primary IRS source. Last verified within 7 days of IRS announcement.

Do these numbers apply to my state taxes?

No — these are federal-only. State income tax brackets, sales tax rates, and state-specific deductions live on the per-state pages under /state-calculators/.

When will 2027 numbers be official?

The IRS typically releases the following year's adjustments in October–November. Until then, our /2027/ pages show projected estimates based on expected ~3% inflation adjustments, clearly marked as projected.

Why is there a TCJA sunset warning on the estate tax page?

The 2017 Tax Cuts and Jobs Act doubled the estate exemption through 2025. The 2026 figure reflects the One Big Beautiful Bill extension; if it's repealed, the exemption could revert to roughly half. Estate planning calculators flag this scenario.