Wealthy Habitat

About

What changed, and what is coming

Money rules have dates. A limit that is true this year is wrong next year, and the IRS, the plan, and Congress each change things on their own calendars. So this site never prints a limit inside a guide. Every number that changes by year lives in one table, with the year it applies to, the official page it was read from, the sentence on that page that states it, and the day it was last confirmed there. The guides ask for the number by name and show it with its date. When the official page changes, the watcher notices, reads the new value, records the change here in plain words, and sends every guide that depends on it back through the checks before it is shown again.

Most yearly limits are announced in the fall for the year ahead. Some laws change on a set future date, and those are listed under coming changes as soon as they are known, so a person planning for 2027 is not reading 2026's rule by mistake.

Recent changes

The rules this site relies on

RuleYearValueVerifiedSource
401k catch up 502026$8,0009/27/2026official page
401k total contribution limit2026$72,0009/27/2026official page
fdic insurance limit2026$250,0009/27/2026official page
ira catch up 502026$1,10010/4/2026official page
ira contribution limit2026$7,50010/4/2026official page
early withdrawal penalty percent202510%9/27/2026official page
hdhp min deductible family2025$3,3009/27/2026official page
hdhp min deductible self2025$1,6509/27/2026official page
hsa catch up 552025$1,0009/27/2026official page
hsa contribution limit family2025$8,5509/27/2026official page
hsa contribution limit self2025$4,3009/27/2026official page
ira contribution limit2025$7,0009/27/2026official page
penalty free age202559½9/27/2026official page
ira contribution limit2024$7,0009/27/2026official page
rmd start age2024739/27/2026official page
ira contribution limit2023$6,5009/27/2026official page

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