What is the Roth 401k employee deferral limit?
The Roth 401k employee deferral limit is the IRS-set maximum amount an employee can contribute to a Roth 401k account using after-tax dollars in a single tax year. For 2026, the base limit is $23,500, with additional catch-up amounts for workers aged 50 and older. Contributions grow tax-free, and qualified withdrawals in retirement are not taxed. The Roth 401k is available through employer-sponsored plans that offer a Roth option.
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