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What is the total IRA contribution limit in 2026?
To be determined by the IRS COLA adjustment.
- The base limit (currently $7,000 for those under 50 in 2025) will likely increase in 2026 due to inflation.
Add the indexed catch-up contribution for those age 50+, which could bring the total above $8,100+ (example only — final numbers come from the IRS in fall 2025).
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