For 2026, individuals aged 50 and over can contribute up to $32,500 to their 401(k) plans, including a $24,500 elective deferral and an $8,000 catch-up contribution. Additionally, those aged 60–63 may be eligible for an enhanced catch-up of $11,250 under the SECURE 2.0 Act. Maximize your retirement savings with guidance from FederalPensionAdvisors https://www.federalpensionadvisors.com/post/401k-contribution-limits-2026