Contribution Limits 2026

Retirement Plans

In 2026, you can make personal contributions to your retirement savings up to the limits as noted in the following table.

NOTE: If you have at least 15 years of service within your denomination, you may be able to contribute a higher amount than the above limits—call Wespath for further information. The Internal Revenue Service requires that, if you are eligible for both the catch-up based on age and the 15 years of service limit, you must use the 15 years limit first, before the age-based catch-up limit. If you are impacted by the SECURE 2.0 Act requirement that catch-up contributions must be made on a Roth basis, as described above, any 15 years of service contributions must also be made on a Roth basis.

Total personal and plan sponsor contributions (not including “catch-up” or “super catch-up” contributions) to all 403(b) plans sponsored by your plan sponsor cannot exceed the lesser of 100% of compensation or $72,000 for 2026.

Clergy housing allowance is excluded from “compensation” for this purpose.

Saver’s Credit for Low- and Moderate-Income Participants

With the Saver’s Credit, you may be able to take a tax credit for making eligible contributions to your retirement plan, depending on your income. The 2026 income limits are determined by filing status, as follows:

Health Savings Accounts (HSAs)

If you are in a high-deductible health care plan, your 2026 HSA contribution limits are:

• $4,400/individual
• $8,750/family
• An additional $1,000 for the HSA owner if age 55+ by year end