Retirement guides

Understand 2026 federal 401(k) employee deferral limits, ordinary catch-up contributions and the higher catch-up for ages 60 through 63. US federal rules only; state and local treatment is outside scope.

Understand 2026 US federal IRA limits, age-50 catch-up contributions and the Roth IRA income phase-out ranges for single and joint filers. US federal rules only; state and local treatment is outside scope.

Understand full retirement age by birth year and how early or delayed retirement claims affect benefits. No projected benefit amounts or claiming recommendation.

US traditional IRA required minimum distributions use an age-based starting rule and an annual table denominator. General federal information only.

United States Social Security retirement benefits may be withheld for earnings before full retirement age above one of two annual exempt amounts.

The United States Retirement Savings Contributions Credit (Saver’s Credit) has income limits, contribution conditions and credit rates for 2026.

United States Social Security Family benefits and Survivor benefits have different spouse eligibility rules and depend on the worker’s record.

United States Social Security for 2026: the cost-of-living adjustment, taxable earnings maximum and the distinction from Medicare payroll tax.

United States Roth IRA conversions: taxable amounts, returned basis, qualified distributions and the separate five-year conversion withdrawal rules.

United States Social Security has an annual maximum taxable earnings amount. Earnings above that ceiling are not subject to the Social Security portion of FICA.