401(k), IRA, and HSA against the current IRS limits.
Covers: 401k, ira, roth, hsa, retirement, catch up, limit.
Open the Retirement Contribution Optimizer tool →Each account has a yearly IRS limit, and once you turn 50 (55 for an HSA) you get an extra 'catch-up' amount on top. We take this year's limit for your age and subtract what you've put in so far, so you can see exactly how much room is left to shelter from tax before the year ends.
Every limit here is read straight from the IRS notice for the current year and cites it, so you can check the figure yourself. If last year's wages from your 401(k)'s employer were over the §414(v)(7) threshold, the catch-up part of your room has to go in as Roth from 2026 — the same amount, but after-tax, so it does not lower this year's taxable income. Enter those wages and the page will say so. Your 401(k) number flows into My Plan's 'capture the match' and 'fund retirement' steps.
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