2026 Retirement Guide

    Retirement Planning Hub

    Everything you need to plan, track, and optimize your retirement savings. Updated with 2026 contribution limits and strategies.

    2026 Contribution Limits

    401(k) / 403(b) / 457
    $23,500
    Catch-up: $31,000 (50+)
    Traditional / Roth IRA
    $7,500
    Catch-up: $8,500 (50+)
    HSA Individual
    $4,300
    Catch-up: $5,300 (55+)
    HSA Family
    $8,550
    Catch-up: $9,550 (55+)
    SIMPLE IRA
    $16,500
    Catch-up: $20,000 (50+)
    SEP IRA
    $69,000
    Catch-up: N/A

    Limits are subject to IRS adjustments. Verify with official sources.

    Retirement Calculators

    Retirement Calculator

    Project your retirement savings and income needs

    401(k) Calculator

    Optimize contributions and employer matches

    IRA Calculator

    Compare Traditional vs Roth IRA options

    Social Security Calculator

    Estimate benefits by claiming age

    RMD Calculator

    Calculate Required Minimum Distributions

    Compound Interest Calculator

    See how your investments grow over time

    Retirement Age Milestones

    50
    Catch-Up Contributions Begin
    Additional $7,500 to 401(k), $1,000 to IRA
    55
    HSA Catch-Up Available
    Extra $1,000/year for HSA if enrolled in HDHP
    59½
    Penalty-Free Withdrawals
    Access retirement accounts without 10% penalty
    62
    Early Social Security
    Reduced benefits available (up to 30% less)
    65
    Medicare Eligibility
    Enroll in Medicare Parts A & B
    67
    Full Retirement Age
    100% Social Security benefits (born 1960+)
    70
    Maximum Social Security
    Delayed credits max out (132% of FRA benefit)
    73
    RMDs Begin
    Required Minimum Distributions start (born 1951-1959)
    75
    RMDs Begin
    Required Minimum Distributions start (born 1960+)

    Retirement Planning Tips

    Maximize Employer Match
    Always contribute enough to get the full employer match—it's free money.
    Consider Roth Contributions
    Pay taxes now for tax-free growth and withdrawals in retirement.
    Use Catch-Up After 50
    Extra contribution room accelerates savings in the final stretch.
    Delay Social Security If Possible
    Each year of delay (up to 70) increases benefits by ~8%.
    Disclaimer: This information is for educational purposes only and does not constitute financial, tax, or legal advice. Contribution limits are based on 2026 projections and may change. Consult a qualified financial advisor for personalized retirement planning.