The 2026 money numbers

Name: The 2026 money numbers
Creator: Far Better Off

Every limit, deduction and rate people google all year, on one page you can bookmark. No fluff, just the numbers and what they mean for you.

Last checked September 2026 · sources: IRS, Social Security Administration, TreasuryDirect, FDIC

Retirement contribution limits

The most you can put into tax-advantaged retirement accounts this year.

401(k) / 403(b) / most 457 plansup $1,000 from 2025: $24,500
401(k) catch-up, age 50+$32,500 total: +$8,000
401(k) super catch-up, age 60 to 63$35,750 total: +$11,250
IRA (traditional or Roth)up $500 from 2025: $7,500
IRA catch-up, age 50+$8,600 total: +$1,100
Roth catch-up ruleearned over $150k last year? 401(k) catch-ups must now be Roth: $150,000+

Source: Notice 2025-67 — retirement plan cost-of-living adjustments for 2026

Project your 401(k) →

HSA limits

Health savings accounts: the only account that's tax-free going in, growing, and coming out.

Self-only coverageup $100 from 2025: $4,400
Family coverageup $200 from 2025: $8,750
Catch-up, age 55+set by statute, not indexed to inflation: +$1,000

Source: Rev. Proc. 2025-19 — HSA inflation-adjusted amounts for 2026 · Publication 969 — Health Savings Accounts and Other Tax-Favored Health Plans

See it grow tax-free →

Tax year 2026

The numbers behind the return you'll file in early 2027.

Standard deduction, single: $16,100
Standard deduction, married filing jointly: $32,200
Standard deduction, head of household: $24,150
Extra senior deduction, 65+per person, 2025 through 2028; phases out above $75k income ($150k joint): $6,000
Annual gift exclusionper recipient, no tax or paperwork: $19,000

Source: Rev. Proc. 2025-32 — inflation-adjusted items for tax year 2026 · 26 U.S.C. § 151(d)(5)(C) — deduction for seniors

Check your real paycheck →

Safe places for cash

What guaranteed money pays right now.

Series I savings bondsfor bonds bought through October 31, 2026 · 0.90% fixed portion: 4.26%
I bond purchase limitper person, per year (electronic): $10,000
FDIC insurance limitper depositor, per bank, per ownership category: $250,000

Source: I bonds interest rates · I bonds — how much can I buy · Deposit Insurance

See today's savings & CD rates →

Quoting these numbers

Every figure above links the document that set it, so you can check any of them at the source rather than take our word for it. Quote them freely, with or without a link:

Far Better Off, "The 2026 money numbers", https://farbetteroff.com/money-numbers (figures for tax year 2026, last checked September 2026).

If you are quoting them from software rather than from a page, the whole table is also JSON at /api/v1/money-numbers — every figure with its amount, its unit, the document behind it and a stable id to key on. No key, no signup, CORS open.

Put these numbers on your site

Free, no signup, no tracking, no cookies. We update the figures here when the IRS and the SSA publish new ones, and your copy updates with them — so your page never carries last year's limits. Paste this where you want it to appear:

<iframe id="calcwise-money-numbers" src="https://farbetteroff.com/embed/money-numbers" title="Money numbers by Far Better Off" width="100%" height="764" frameborder="0" style="border:0;max-width:420px;width:100%" loading="lazy"></iframe>
<script>window.addEventListener("message",function(e){if(e&&e.data&&e.data.type==="cw-embed-height"&&e.data.slug==="money-numbers"){var f=document.getElementById("calcwise-money-numbers");if(f){f.style.height=e.data.height+"px"}}});</script>
<p style="font:13px/1.4 system-ui,sans-serif;text-align:center;margin:6px 0">Powered by <a href="https://farbetteroff.com/money-numbers" target="_blank" rel="noopener">Far Better Off</a></p>

The little “Powered by Far Better Off” link keeps it free. Thanks for the credit!

Want a pinned theme, a different width, or the one-line <script> form instead? Customize it in the embed builder →

Add ?theme=light or ?theme=darkto the iframe's srcto pin the colours; leave it off and the widget follows your reader's device. All the free Far Better Off widgets →

Figures are the official IRS, SSA and Treasury numbers for 2026 where announced, and clearly-labeled projections where not. Rules have income limits and edge cases we can't cover in one line, so confirm anything big with the source or a tax professional. Educational info, not financial advice.

The 2026 money numbers · Far Better Off

https://farbetteroff.com/money-numbers

Open that link for the live version of this page. Estimates for education only — Far Better Off is not a lender or a financial advisor, and these results are not financial advice.