The 2026 money numbers

Every limit, deduction and rate people google all year, on one page you can bookmark. No fluff, just the numbers and what they mean for you.

Last checked September 2026 · sources: IRS, Social Security Administration, TreasuryDirect, FDIC

Retirement contribution limits

The most you can put into tax-advantaged retirement accounts this year.

401(k) / 403(b) / most 457 plansup $1,000 from 2025: $24,500
401(k) catch-up, age 50+$32,500 total: +$8,000
401(k) super catch-up, age 60 to 63$35,750 total: +$11,250
IRA (traditional or Roth)up $500 from 2025: $7,500
IRA catch-up, age 50+$8,600 total: +$1,100
Roth catch-up ruleearned over $150k last year? 401(k) catch-ups must now be Roth: $150,000+

Project your 401(k) →

HSA limits

Health savings accounts: the only account that's tax-free going in, growing, and coming out.

Self-only coverageup $100 from 2025: $4,400
Family coverageup $200 from 2025: $8,750
Catch-up, age 55+: +$1,000

See it grow tax-free →

Tax year 2026

The numbers behind the return you'll file in early 2027.

Standard deduction, single: $16,100
Standard deduction, married filing jointly: $32,200
Standard deduction, head of household: $24,150
Extra senior deduction, 65+per person, 2025 through 2028; phases out above $75k income ($150k joint): $6,000
Annual gift exclusionper recipient, no tax or paperwork: $19,000

Check your real paycheck →

Safe places for cash

What guaranteed money pays right now.

Series I savings bondsfor bonds bought through October 31, 2026 · 0.90% fixed portion: 4.26%
I bond purchase limitper person, per year (electronic): $10,000
FDIC insurance limitper depositor, per bank: $250,000

See today's savings & CD rates →

Figures are the official IRS, SSA and Treasury numbers for 2026 where announced, and clearly-labeled projections where not. Rules have income limits and edge cases we can't cover in one line, so confirm anything big with the source or a tax professional. Educational info, not financial advice.