401(k) vs IRA Analyzer 2026 Limits
Should you max out your 401(k) first or prioritize your IRA? Let's run the numbers with the latest IRS limits.
2026 Quick Comparison
| Feature | 401(k) | IRA |
|---|---|---|
| 2026 Contribution Limit | $24,500 | $7,500 |
| Catch-up (50+) | +$8,000 | +$1,100 |
| Super Catch-up (60-63) | +$11,250 | N/A |
| Employer Match | Yes | No |
| Investment Options | Limited | Unlimited |
| Loan Option | Maybe | No |