RetirementForge

2026 Contribution Limit Calculator

Find your maximum allowable contribution across a 401(k), 403(b), TSP, and governmental 457(b) — including the age-50, age 60–63 super, and 403(b) 15-year catch-ups. See exactly how much room you have left and why a 403(b) plus a 457(b) can be contributed to separately.

52
2175
$6,000
$0$35K
24
126
Also have a governmental 457(b)?
$0
$0$35K

You can still contribute this year

$59,000

of a $65,000 maximum · about $2,458/paycheck

Your 403(b) and governmental 457(b) each have a separate limit — a legitimate double-dip. You can defer up to $65,000 across both this year.

403(b)

Max $32,500
Base limit$24,500
Age catch-up+$8,000
Remaining$26,500

457(b)

Max $32,500
Base limit$24,500
Age catch-up+$8,000
Remaining$32,500

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For educational purposes only; not tax advice. Uses 2026 IRS limits (Notice 2025-67): $24,500 elective deferral, $8,000 age-50 catch-up, $11,250 age 60–63 super catch-up. 401(k)/403(b)/TSP share one limit; a governmental 457(b) has a separate limit. The 403(b) 15-year catch-up and 457(b) final-3-year catch-up have additional eligibility tests. Plan documents may impose lower limits. Confirm with your plan administrator and a tax professional.

Frequently Asked Questions

How much can I contribute to my 401(k), 403(b), or TSP in 2026?
The 2026 elective deferral limit is $24,500. If you are age 50 or older you can add an $8,000 catch-up for a total of $32,500. If you are age 60, 61, 62, or 63, a SECURE 2.0 "super catch-up" of $11,250 applies instead of the $8,000, for a total of $35,750. 401(k), 403(b), and TSP all share this single limit — contributing to more than one of them does not raise it.
Can I contribute to both a 403(b) and a 457(b) in the same year?
Yes, and this is one of the most valuable coordination points. A governmental 457(b) has its own separate contribution limit that does not coordinate with the 401(k)/403(b)/TSP limit. So a public-school or government employee with both a 403(b) and a 457(b) can defer the full $24,500 (plus catch-ups) to each plan — up to roughly $49,000 or more combined in 2026. This is a legitimate strategy, not a loophole.
What is the age 60-63 super catch-up?
Under SECURE 2.0, participants who are age 60, 61, 62, or 63 during the year get a higher catch-up contribution. For 2026 it is $11,250, compared with the standard $8,000 age-50 catch-up. It replaces — it does not stack on top of — the regular catch-up for those four years, and reverts to the standard amount at age 64.
What is the 403(b) 15-year catch-up?
Employees of certain qualified organizations (schools, hospitals, churches, and other 501(c)(3)s) with 15 or more years of service may be able to contribute an extra amount to a 403(b): up to $3,000 per year, with a $15,000 lifetime cap. It is also limited by a $5,000-times-years-of-service test. It applies before the age-50 catch-up, so an eligible participant 50 or older could use both. Confirm eligibility with your plan administrator.
What is the 415(c) annual additions limit?
IRC Section 415(c) caps the total that can go into a defined-contribution plan from all sources — your own elective deferrals plus employer match and non-elective contributions. For 2026 the limit is $72,000 (or 100% of your compensation, if lower). Age-based catch-up contributions are on top of this limit. It matters most for participants receiving large employer contributions.
Does contributing to an IRA affect these limits?
No. IRA contribution limits are entirely separate from workplace-plan elective deferral limits. You can contribute to a 401(k)/403(b)/457 at work and also to an IRA in the same year (subject to the IRA limit and any deduction phase-outs). This calculator focuses on employer-plan deferrals, where the coordination rules are most easily misunderstood.