Think you maxed out your 401(k)? The real limit is actually almost $50,000 higher.

The 2026 401(k) contribution limit is $69,500 for individuals age 50 and older, which includes a $7,500 catch-up provision, according to IRS guidelines. The standard limit for those under 50 is $62,000. Many retirement savers are unaware of catch-up contribution rules that allow additional annual deposits beyond the primary contribution cap.

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