United States · IRS retirement rules
401(k) contribution limit.
Estimate how much employee salary-deferral room remains in 2026 across a 401(k), 403(b) or governmental 457(b) plan.
The 2026 basic elective-deferral limit is $24,500. The IRS allows an additional $8,000 catch-up at age 50+, or $11,250 for people age 60 through 63, if the plan permits it.
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2026 estimate
What this calculator covers
This is an employee elective-deferral check for the 2026 calendar year. It uses the $24,500 basic limit, the $8,000 age-50 catch-up and the $11,250 SECURE 2.0 catch-up for ages 60–63. A plan document can impose a lower limit. Special 403(b) 15-year-service catch-up rules and governmental 457(b) last-three-years catch-up rules are not calculated here.
Official sources: IRS 401(k) contribution limits, IRS 457(b) rules and IRS retirement contributions overview. Rules verified September 29, 2026.
Estimate only
This is an educational calculation, not tax, benefits or investment advice. Confirm your plan's terms and your year-to-date payroll records with the plan administrator or a qualified tax professional.