---
title: Annual Contribution Limits
description: Traditional and Roth IRA, SIMPLE IRA, SEP IRA, HSA, and Coverdell ESA contribution limits.
---

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# Annual Contribution Limits

## Traditional and Roth IRA, SIMPLE IRA, SEP IRA, HSA, and Coverdell ESA contribution limits.

**Printable job aid:** [Annual Contribution Limits](https://help.superiorira.com/hubfs/Annual%20Contribution%20Limits-2.pdf?hsLang=en)

### Traditional and Roth IRAs

| **Tax Year** | **Annual Contribution Limit for Owners Under Age 50** | **Annual Contribution Limit for Owners Age 50 and Older** |
| --- | --- | --- |
| 2026 | $7,500 | $8,600 |
| 2025 | $7,000 | $8,000 |
| 2024 | $7,000 | $8,000 |
| 2023 | $6,500 | $7,500 |
| 2022 | $6,000 | $7,000 |

### SIMPLE IRAs

| **Tax Year** | **Annual Deferral Contribution Limit\*** | **Catch-Up Deferral Limit** |
| --- | --- | --- |
| 2026 | $17,000 | $4,000 |
| 2025 | $16,500 | $3,500 |
| 2024 | $16,000 | $3,500 |
| 2023 | $15,500 | $3,500 |
| 2022 | $14,000 | $3,000 |

**\***Special increased deferral limits may apply for certain SIMPLE IRA plans. For tax years 2026 and 2025, this limit is $18,100 and $17,600, respectively. 

### SEP IRAs

Contributions an employer can make to an employee’s SEP IRA generally cannot exceed the lesser of 25% of the employee’s compensation, or the “maximum contribution” limit indicated below for that tax year. The employer SEP document will specify how this amount is determined and allocated to employees. 

| **Tax Year** | **Maximum Contribution** |
| --- | --- |
| 2026 | $72,000 |
| 2025 | $70,000 |
| 2024 | $69,000 |
| 2023 | $66,000 |
| 2022 | $61,000 |

 

Health Savings Accounts

| **Tax Year** | **Single Coverage Annual Limit** | **Family Coverage Annual Limit** |
| --- | --- | --- |
| 2027 | $4,500 | $9,000 |
| 2026 | $4,400 | $8,750 |
| 2025 | $4,300 | $8,550 |
| 2024 | $4,150 | $8,300 |
| 2023 | $3,850 | $7,750 |
| 2022 | $3,650 | $7,300 |
| 2021 | $3,600 | $7,200 |

Monthly limits are the annual limit divided by 12.

Owners age 55 and older are allowed an additional $1,000 annual "catch-up" contribution.

View the high-deductible health plan (HDHP) minimum deductible and maximum out-of-pocket limits [here](https://help.superiorira.com/info/https/app.hubspot.com/knowledge/20075435/edit/80434026841?hsLang=en).

### Coverdell ESA

Annual contribution limit is $2,000.

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