Your 2026 Contribution Limits Just Changed – Here's What You Need to Know

2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it.
If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast.

🔗 LINKS & RESOURCES
IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500:
https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

TSP Bulletin: 2026 TSP contribution limits:
https://www.tsp.gov/bulletins/25-3/

General reference: IRA contribution limits (2026):
https://www.fidelity.com/learning-center/smart-money/ira-contribution-limits

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CD Financial (where health meets wealth) helps federal employees and retirees make confident decisions around TSP strategies, retirement income planning, and benefit-aware financial choices. Subscribe for practical, compliant education that helps you understand the numbers, the rules, and the real-world tradeoffs—without hype.

Max funding for 2026 is $24,500—catch-up starts after you hit the max per pay period, not before.

⏱ TIMESTAMPS
⏱ 0:00 2026 TSP & 401(k) Contribution Limits: What Changed?
⏱ 1:15 2026 Max Contributions: Under 50 vs 50+ (Catch-Up Basics)
⏱ 2:23 Per-Pay-Period TSP Math: $24,500 ÷ 26 Pay Periods
⏱ 3:47 SECURE 2.0 “Super Catch-Up” Ages 60–63 (Higher Limit)
⏱ 4:42 2026 IRA & Roth IRA Limits: What You Can Contribute
⏱ 6:33 Backdoor Roth Overview (Conceptual Walkthrough)
⏱ 7:16 The “15% Max” Myth + When Catch-Up Actually Starts
⏱ 10:49 Why Max Funding Matters for Retirement Income Confidence
⏱ 12:38 TSP vs Private Roth IRA: What to Prioritize First
⏱ 15:42 How to Increase TSP Contributions (MyPay / GRB / EPP + EBIS)
⏱ 18:56 Roth Catch-Up Rule & $145,000 Income Threshold (Key Reminder)
⏱ 20:25 Health Tip: Consistent Sleep Schedule + Morning Light

#TSP #FederalEmployees #401k #RetirementPlanning #CDFinancial

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.