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.
You can still contribute this year
$59,000
of a $65,000 maximum · about $2,458/paycheck
Rules applied
- A 403(b) and a governmental 457(b) have SEPARATE limits — this participant can defer the full amount to each.
- Check the Roth catch-up rule: from 2026, a participant whose prior-year FICA wages from this employer exceeded $150,000 must make catch-up contributions as Roth (SECURE 2.0 §603), and cannot make them at all if the plan offers no Roth option.
403(b)
Max $32,500457(b)
Max $32,500Plan this with an advisor
RetirementForge models contributions, catch-ups, and take-home impact in a live client session.
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.
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