Quick Answer: The 2026 401(k) employee contribution limit is $23,500 (under 50), $31,000 (50+), or $34,750 (ages 60–63 super catch-up).
Employee Contribution Limits
| Age Group | Max Employee Deferral | Catch-Up Amount |
|---|---|---|
| Under age 50 | $23,500 | — |
| Age 50–59 or 64+ | $31,000 | $7,500 |
| Age 60–63 (Super Catch-Up) | $34,750 | $11,250 |
Total Annual Addition Limits (415 Limit)
| Category | Limit |
|---|---|
| Total additions (employee + employer, under 50) | $70,000 |
| Total additions (employee + employer, 50+) | $77,500 |
| Compensation limit for calculation | $350,000 |
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Open 401(k) Calculator →Key Changes for 2026
Super Catch-Up (Ages 60–63): Starting in 2026, individuals aged 60 through 63 can contribute up to $34,750 — $11,250 more than the standard limit. This is higher than the regular catch-up amount for those 50+.
Roth 401(k): All employer plans must now offer a Roth option. Roth contributions grow tax-free and have no required minimum distributions (RMDs) starting in 2026.