Key Takeaways Contribution limits for 401(k)s and IRAs are higher in 2026, allowing many savers to set aside more money for retirement. Savers ages 50 and up face new catch-up contribution rules in 2026, including higher limits and Roth requirements for some high earners. HSAs have higher contribution limits this year as well, both for self-coverage and family-coverage scenarios. Making the most of retirement savings requires that investors keep track of annual changes put forward by the IRS. Ann ...