2026 Retirement Contribution Checklist: What to Maximize Before December 31 and What is Coming in 2027

Nick Ventura

Published on: 02/11/2026

The 2026 401(k) contribution limit is $24,500 and the IRA limit is $7,500. With December 31 approaching fast, here is your practical retirement contribution checklist — including catch-up rules, Roth vs. traditional considerations, and what projected 2027 limits may mean for your planning.