{"id":697,"date":"2026-06-07T12:55:41","date_gmt":"2026-06-07T04:55:41","guid":{"rendered":"https:\/\/shiyao.ltd\/yanglao\/us-401k-24500-2026-roth-catchup-145k\/"},"modified":"2026-09-30T17:12:00","modified_gmt":"2026-09-30T09:12:00","slug":"us-401k-24500-2026-roth-catchup-145k","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/yanglao\/us-401k-24500-2026-roth-catchup-145k\/","title":{"rendered":"2026\u9000\u4f11\u8d26\u6237\uff1a401k\u4e0a\u9650$24,500\uff0c\u9ad8\u6536\u5165\u8ffd\u7f34\u5f3a\u5236Roth"},"content":{"rendered":"<p>2026\u5e74401(k)\u6807\u51c6\u4e0a\u9650$24,500\uff0c50\u5c81\u4ee5\u4e0a\u8ffd\u7f34$8,000\uff0c60-63\u5c81\u8d85\u7ea7\u8ffd\u7f34$11,250\uff1bIRA\u4e0a\u9650$7,500\uff0c50\u5c81\u4ee5\u4e0a\u8ffd\u7f34$1,100\u3002\u9ad8\u6536\u5165\u8005\u7684\u8ffd\u7f34\u90e8\u5206\u5fc5\u987b\u5b58\u5165Roth\u8d26\u6237\u3002<\/p>\n<h2>401(k)\u548cIRA\u57282026\u5e74\u80fd\u5b58\u591a\u5c11\uff1f<\/h2>\n<p>401(k)\u5458\u5de5\u81ea\u7f34\u4e0a\u9650\u4ece2025\u5e74\u7684$23,500\u63d0\u9ad8\u5230$24,500\u300250\u5c81\u4ee5\u4e0a\u53ef\u989d\u5916\u8ffd\u7f34$8,000\uff0c\u5408\u8ba1$32,500\u300260-63\u5c81\u4eba\u7fa4\u9002\u7528\u8d85\u7ea7\u8ffd\u7f34$11,250\uff0c\u5408\u8ba1$35,750\u3002IRA\u4e0a\u9650\u4ece$7,000\u5347\u81f3$7,500\uff0c50\u5c81\u4ee5\u4e0a\u8ffd\u7f34$1,100\uff0c\u5408\u8ba1$8,600\u3002\u96c7\u4e3b\u52a0\u96c7\u5458\u5408\u8ba1\u4e0a\u9650$72,000\uff0c\u8fd9\u4e2a\u6570\u5b57\u5305\u542b\u8ffd\u7f34\u90e8\u5206\u5417\uff1f\u662f\u7684\uff0c\u8ffd\u7f34\u91d1\u989d\u5df2\u8ba1\u5165$72,000\u7684\u603b\u9650\u989d\u5185\u3002<\/p>\n<h2>\u9ad8\u6536\u5165\u8005\u5f3a\u5236Roth\u8ffd\u7f34\u7684\u95e8\u69db<\/h2>\n<p>2025\u5e74FICA\uff08\u793e\u4fdd\uff09\u5de5\u8d44\u8d85\u8fc7$150,000\u7684\u4eba\uff0c2026\u5e74\u8d77\u8ffd\u7f34\u90e8\u5206\u5fc5\u987b\u7528\u7a0e\u540e\u8d44\u91d1\u5b58\u5165Roth\u8d26\u6237\u3002\u8fd9\u4e2a\u95e8\u69db\u5728\u90e8\u5206\u6cd5\u5f8b\u6587\u672c\u4e2d\u5199\u7684\u662f$145,000\uff0c\u4f46IRS 2025\u5e7411\u6708\u516c\u544a\u5df2\u5c062026\u5e74\u9002\u7528\u7684\u95e8\u69db\u6307\u6570\u5316\u8c03\u6574\u4e3a$150,000\u3002\u5224\u65ad\u6807\u51c6\u5f88\u7b80\u5355\uff1a\u770b\u4f602025\u5e74W-2\u8868Box 3\u7684\u793e\u4fdd\u5de5\u8d44\uff0c\u8d85\u8fc7$150,000\u5c31\u9002\u7528\u3002<\/p>\n<h2>\u96c7\u4e3b\u8ba1\u5212\u6ca1\u6709Roth\u9009\u9879\u600e\u4e48\u529e\uff1f<\/h2>\n<p>\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u8ba1\u5212\u4e0d\u63d0\u4f9bRoth 401(k)\u9009\u9879\uff0c\u9ad8\u6536\u5165\u8005\u5c06\u65e0\u6cd5\u8fdb\u884c\u8ffd\u7f34\u3002\u8fd9\u662fSECURE 2.0\u6cd5\u6848\u7684\u786c\u6027\u89c4\u5b9a\u2014\u2014\u4e0d\u80fd\u8ffd\u7f34\uff0c\u56e0\u4e3a\u6ca1\u6709Roth\u8d26\u6237\u63a5\u6536\u7a0e\u540e\u8d44\u91d1\u3002\u975e\u9ad8\u6536\u5165\u8005\u4e0d\u53d7\u5f71\u54cd\uff0c\u4ecd\u53ef\u6309\u8ba1\u5212\u89c4\u5219\u9009\u62e9\u7a0e\u524d\u6216Roth\u8ffd\u7f34\u3002<\/p>\n<h2>IRA\u8ffd\u7f34\u89c4\u5219\u4e0e401(k)\u7684\u533a\u522b<\/h2>\n<p>IRA\u7684\u8ffd\u7f34\u6ca1\u6709\u5f3a\u5236Roth\u8981\u6c42\u3002\u65e0\u8bba\u6536\u5165\u9ad8\u4f4e\uff0cIRA\u8ffd\u7f34\u90fd\u53ef\u4ee5\u9009\u62e9\u7a0e\u524d\u6216Roth\u30022026\u5e74IRA\u8ffd\u7f34\u989d\u5ea6\u4ece$1,000\u6da8\u5230$1,100\uff0c\u4f46\u8fd9\u662f\u5e74\u5ea6\u8d39\u7528\u8c03\u6574\uff0c\u4e0e401(k)\u7684\u89c4\u5219\u53d8\u9769\u65e0\u5173\u3002\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0c60-63\u5c81\u8d85\u7ea7\u8ffd\u7f34\u76ee\u524d\u4ec5\u9002\u7528\u4e8e401(k)\u3001403(b)\u3001457(b)\u7b49\u96c7\u4e3b\u8ba1\u5212\uff0cIRA\u4e0d\u9002\u7528\u3002<\/p>\n<blockquote><p>\u201cThe catch-up contribution limit that generally applies for employees aged 50 and over who participate in most 401(k), 403(b), governmental 457 plans, and the federal government\u2019s Thrift Savings Plan is increased to $8,000.\u201d\u2014\u2014IRS\u5b98\u65b9\u516c\u544a<\/p><\/blockquote>\n<h2>\u8d85\u7ea7\u8ffd\u7f34\u7684\u751f\u6548\u65f6\u95f4\u4e0e\u8ba1\u5212\u91c7\u7eb3<\/h2>\n<p>60-63\u5c81\u8d85\u7ea7\u8ffd\u7f34$11,250\u5df2\u4ece2025\u5e741\u67081\u65e5\u8d77\u751f\u6548\uff0c\u4f46\u524d\u63d0\u662f\u96c7\u4e3b\u8ba1\u5212\u9009\u62e9\u91c7\u7eb3\u8fd9\u4e00\u6761\u6b3e\u3002SECURE 2.0\u6cd5\u6848\u5141\u8bb8\u8ba1\u5212\u9010\u5e74\u51b3\u5b9a\u662f\u5426\u63d0\u4f9b\u8fd9\u4e00\u9009\u9879\u3002\u5982\u679c\u4f602025\u5e74\u521a\u6ee160\u5c81\uff0c\u5148\u786e\u8ba4\u516c\u53f8\u8ba1\u5212\u662f\u5426\u5df2\u91c7\u7eb3\uff0c\u518d\u89c4\u5212\u8ffd\u7f34\u91d1\u989d\u3002FICA\u5de5\u8d44\u53e3\u5f84\u4e0eIRS\u6307\u6570\u5316\u8c03\u6574\u7684\u5dee\u5f02\u2014\u2014\u6cd5\u5b9a\u57fa\u51c6$145,000\u4e0e\u6307\u6570\u5316$150,000\u2014\u2014\u5728\u5b9e\u9645\u64cd\u4f5c\u4e2d\u4ee5\u4f602025\u5e74W-2\u8868\u4e3a\u51c6\uff0cIRS\u6bcf\u5e74\u53d1\u5e03\u6700\u7ec8\u9650\u989d\u516c\u544a\u65f6\u4f1a\u6709\u660e\u786e\u6570\u5b57\u3002<\/p>\n<p><!-- shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500\" target=\"_blank\" rel=\"noopener nofollow\">401(k) limit increases to $24500 for 2026, IRA limit increases to $7500<\/a><\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions\" target=\"_blank\" rel=\"noopener nofollow\">Catch-up contributions to tax-advantaged accounts | Fidelity<\/a><\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/learning-center\/personal-finance\/401k-catch-up-contributions-high-earners\" target=\"_blank\" rel=\"noopener nofollow\">New 401(k) catchup contribution rules explained | Fidelity<\/a><\/li>\n<li><a href=\"https:\/\/www.bakerdonelson.com\/an-employers-practical-guide-to-401k-plan-catch-up-contribution-changes-for-2026\" target=\"_blank\" rel=\"noopener nofollow\">An Employer&#8217;s Practical Guide to 401(k) Plan Catch-Up Contribution Changes for 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.nrsforu.com\/rsc-preauth\/investing\/irs-limits\" target=\"_blank\" rel=\"noopener nofollow\">IRS Contribution Limits<\/a><\/li>\n<li><a href=\"https:\/\/www.principal.com\/individuals\/learn\/what-are-2026-401k-and-ira-max-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">What are 2026 401(k) and individual retirement account max contribution limits?<\/a><\/li>\n<li><a href=\"https:\/\/www.schwab.com\/learn\/story\/what-to-know-about-catch-up-contributions\" target=\"_blank\" rel=\"noopener nofollow\">Catch-Up Contributions 2025 and 2026: A Guide | Charles Schwab<\/a><\/li>\n<li><a href=\"https:\/\/www.missionsq.org\/plan-sponsors\/plan-rules\/contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">2026 Retirement Plan Contribution Limits (401k, 457(b) &#038; More)<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI \u5de5\u5177\u8f85\u52a9\u3002\u5982\u6709\u4e8b\u5b9e\u9519\u8bef\uff0c\u8bf7\u901a\u8fc7\u9875\u811a\u8054\u7cfb\u65b9\u5f0f\u53cd\u9988\u3002<\/p>\n<\/div>\n<p><!-- shiyao-sources-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2026\u5e74401(k)\u4e0a\u9650$24,500\uff0c50+\u8ffd\u7f34$8,000\uff0c60-63\u5c81\u8d85\u7ea7\u8ffd\u7f34$11,250\uff1bIRA\u4e0a\u9650$7,500\uff0c50+\u8ffd\u7f34$1,100\u3002\u9ad8\u6536\u5165\u8005\uff082025\u5e74FICA\u5de5\u8d44\u8d85$150,000\uff09\u8ffd\u7f34\u5fc5\u987b\u8fdbRoth\u8d26\u6237\u3002\u4f60\u7684\u96c7\u4e3b\u8ba1\u5212\u6709Roth\u9009\u9879\u5417\uff1f<\/p>\n","protected":false},"author":1,"featured_media":698,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-global"],"_links":{"self":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/comments?post=697"}],"version-history":[{"count":3,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/697\/revisions"}],"predecessor-version":[{"id":1176,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/697\/revisions\/1176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media\/698"}],"wp:attachment":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media?parent=697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/categories?post=697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/tags?post=697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}