retirement8 min read
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The 2026 401(k) and IRA Limits Jumped — and a New Roth Catch-Up Rule Just Kicked In
You can now stash $24,500 in a 401(k) and $7,500 in an IRA. But the bigger 2026 story is a SECURE 2.0 rule that forces many higher earners to make catch-up contributions as Roth — and it's already in effect.
SmartRates Editorial Team
June 22, 2026