Money in One Chart

where money goes

The 2026 limits changed, and your tax break is measured against them.

The IRS raised the 401(k) limit to $24,500 and the IRA limit to $7,500. You do not need to reach them. You need to know them.

You asked for the 2026 limits card. It is below, as the slides from the post, then the one move, then the tool the chart points at.

Slide 1 of 7: The 2026 limits changed, and your tax break is measured against them.Slide 2 of 7: Here is what you can put in for 2026, straight from the IRS notice.Slide 3 of 7: The 401(k) limit went up by this much from 2025 to 2026.Slide 4 of 7: The limit is the ceiling, not the target, and confusing the two makes people give up.Slide 5 of 7: Most people will never save $24,500 a year, and the plan still works for them.Slide 6 of 7: Two minutes to see where you stand against these numbers.Slide 7 of 7: Save this for open enrollment.

Two minutes to see where you stand against these numbers.

  1. 01
    Find your current contribution rate as a percent of pay.It is on the first page of the plan portal.
  2. 02
    Multiply it by your salary.That is your yearly number. Compare it to the match trigger first, and to the limit second.

The tool this chart points at

A low-fee brokerage

For the IRA, the index fund and the rollover. Broad index funds with expense ratios under 0.1%.

Open it

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Sources: IRS IR-2025-111, November 13, 2025; IRS IR-2025-111.

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