Happy New Year! We hope that you had a great holiday season and want to wish you a happy, healthy, wealthy and wise 2026. Each year, the IRS adjusts key tax, retirement, and planning limits for inflation. The 2026 Important Financial Numbers guide provides a consolidated snapshot of these updates in one place.

We share this document annually as a reference point for the upcoming tax year. Below are a few notable changes for 2026 compared to 2025.

2026 Updates

Standard Deduction

• Married Filing Jointly: $32,200

• Single: $16,100

Retirement Plan Contributions

• 401(k), 403(b), 457 employee deferral limit: $24,500

• Catch-up contribution (age 50+): $8,000

• Catch-up contribution (ages 60–63): $11,250

• Traditional & Roth IRA contribution limit: $7,500

Roth IRA Income Phaseouts

• Single: $153,000 – $168,000

• Married Filing Jointly: $242,000 – $252,000

Long-Term Capital Gains (Married Filing Jointly)

• 0% rate up to $98,900

• 15% rate up to $613,700

Estate & Gift Limits

• Lifetime estate and gift exemption: $15,000,000

• Annual gift tax exclusion: $19,000 per recipient

Health Savings Accounts

• Individual contribution limit: $4,400

• Family contribution limit: $8,750