{"id":18549,"date":"2026-07-08T10:20:58","date_gmt":"2026-07-08T14:20:58","guid":{"rendered":"https:\/\/peopaygo.com\/?p=18549"},"modified":"2026-07-08T10:21:14","modified_gmt":"2026-07-08T14:21:14","slug":"401k-contribution-limits-2026-employee-catch-up-and-employer-maximums","status":"publish","type":"post","link":"https:\/\/peopaygo.com\/es\/2026\/07\/08\/401k-contribution-limits-2026-employee-catch-up-and-employer-maximums\/","title":{"rendered":"L\u00edmites de contribuci\u00f3n 401(k) 2026: M\u00e1ximos para empleados, de recuperaci\u00f3n y de empleador"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"18549\" class=\"elementor elementor-18549\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e920b79 e-flex e-con-boxed e-con e-parent\" data-id=\"e920b79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e30f214 elementor-widget elementor-widget-text-editor\" data-id=\"e30f214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Para 2026, el l\u00edmite de aportaci\u00f3n de los empleados al plan 401(k) establecido por el IRS es de $24 500, lo que supone un aumento respecto a los $23 500 de 2025.<\/strong> Los empleados de 50 a\u00f1os o m\u00e1s pueden a\u00f1adir una aportaci\u00f3n de recuperaci\u00f3n de $8.000, lo que da un total de $32.500, y los que tengan entre 60 y 63 a\u00f1os pueden acogerse a una \u201caportaci\u00f3n de recuperaci\u00f3n extra\u201d de $11 250, lo que da un total de $35 750. El l\u00edmite combinado entre el empleado y la empresa asciende a $72 000. Estas cifras se aplican tanto a los planes 401(k) tradicionales como a los Roth.<\/p>\n\n<p>Si ofreces un 401(k) o est\u00e1s pensando en ello, conocer.<\/p>\n\n<h2>L\u00edmites del 401(k) de 2026 de un vistazo<\/h2>\n\n<ul>\n<li><strong>Retenci\u00f3n voluntaria del empleado:<\/strong> $24,500<\/li>\n<li><strong>Ponerse al d\u00eda (mayores de 50):<\/strong> $8.000 \u2014 total de $32.500<\/li>\n<li><strong>Ponte al d\u00eda (60\u201363 a\u00f1os):<\/strong> $11 250 \u2014 total de $35 750<\/li>\n<li><strong>Empleado + empleador combinados (Secci\u00f3n 415(c)):<\/strong> $72 000 (o $80 000, incluida la aportaci\u00f3n de recuperaci\u00f3n para mayores de 50 a\u00f1os)<\/li>\n<\/ul>\n\n<p>Todos estos reflejan los ajustes por costo de vida del IRS anunciados para 2026.<\/p>\n\n<h2>Lo que cubre el L\u00edmite de Empleados<\/h2>\n\n<p>El l\u00edmite de $24 500 se aplica a los aplazamientos salariales voluntarios, es decir, el dinero que tus empleados deciden destinar al plan desde su n\u00f3mina. Se aplica a la suma de las aportaciones al plan 401(k) tanto tradicionales (antes de impuestos) como Roth (despu\u00e9s de impuestos); un empleado puede repartirlas entre ambas, pero el total no puede superar los $24 500 (m\u00e1s cualquier aportaci\u00f3n de recuperaci\u00f3n a la que tenga derecho).<\/p>\n\n<h2>Contribuciones de Recuperaci\u00f3n: Dos Niveles en 2026<\/h2>\n\n<ul>\n<li><strong>50 a\u00f1os o m\u00e1s:<\/strong> 1 TP 12 T 8 000 adicionales, lo que eleva el total a 1 TP 12 T 32 500.<\/li>\n<li><strong>Edad 60, 61, 62 o 63:<\/strong> una \u201csuperrecuperaci\u00f3n\u201d mayor de $11 250 (creada en el marco de SECURE 2.0), lo que eleva el total a $35 750.<\/li>\n<\/ul>\n\n<p>Hay un cambio importante para 2026: si un empleado percibi\u00f3 m\u00e1s de $150 000 en salarios sujetos a FICA el a\u00f1o anterior, sus aportaciones de recuperaci\u00f3n basadas en la edad deber\u00e1n realizarse como aportaciones Roth (despu\u00e9s de impuestos). Las empresas que ofrezcan aportaciones de recuperaci\u00f3n deben asegurarse de que su plan admita las aportaciones Roth para cumplir con la normativa.<\/p>\n\n<h2>Contribuciones del empleador y el l\u00edmite combinado<\/h2>\n\n<p>Las aportaciones de contrapartida del empleador y las de participaci\u00f3n en los beneficios no se tienen en cuenta a efectos del l\u00edmite de $24 500 del empleado, sino que se incluyen en el l\u00edmite combinado independiente de $72 000 (art\u00edculo 415(c)). Por ejemplo, un empleado menor de 50 a\u00f1os que aporte $24 500 podr\u00eda seguir recibiendo aportaciones del empleador hasta alcanzar el total de $72 000. Una aportaci\u00f3n paralela generosa es una de las herramientas de retenci\u00f3n m\u00e1s eficaces con las que cuenta una peque\u00f1a empresa, raz\u00f3n por la cual muchas recurren a una PEO para acceder a planes de jubilaci\u00f3n competitivos; consulte nuestra descripci\u00f3n general de <a href=\"https:\/\/peopaygo.com\/es\/2025\/12\/31\/peo-explained-7-key-benefits-every-employer-should-know\/\">7 beneficios clave de las PEO<\/a> y el caso de <a href=\"https:\/\/peopaygo.com\/es\/2026\/01\/07\/benefits-of-outsourcing-hr-10-key-advantages-for-small-businesses\/\">externalizaci\u00f3n de RRHH<\/a>.<\/p>\n\n<p>Si deseas ver c\u00f3mo se relacionan los beneficios de jubilaci\u00f3n, la n\u00f3mina y el cumplimiento normativo para tu equipo, esta herramienta de referencia puede servir como un punto de partida: <a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">https:\/\/peopaygo.com\/get-rate-exchange-blogs\/u\/step-1<\/a>.<\/p>\n\n<h2>L\u00edmites relacionados 2026<\/h2>\n\n<ul>\n<li><strong>L\u00edmite de contribuci\u00f3n a la IRA:<\/strong> $7.500, con un complemento de $1.100 para mayores de 50 a\u00f1os<\/li>\n<li><strong>SIMPLE 401(k) aplazamiento:<\/strong> $17,000<\/li>\n<li><strong>Roth 401(k):<\/strong> los mismos l\u00edmites que el 401(k) tradicional<\/li>\n<\/ul>\n\n<p>Ofrecer un plan de jubilaci\u00f3n tambi\u00e9n interact\u00faa con la gesti\u00f3n de n\u00f3minas e impuestos \u2014 nuestro <a href=\"https:\/\/peopaygo.com\/es\/2026\/03\/03\/what-is-payroll-tax-complete-guide-for-employers\/\">gu\u00eda de impuestos sobre n\u00f3minas para empleadores<\/a> cubre c\u00f3mo fluyen las contribuciones a trav\u00e9s de la n\u00f3mina.<\/p>\n\n<h2>Preguntas Frecuentes<\/h2>\n\n<h3>El l\u00edmite de contribuci\u00f3n de 401(k) para 2026<\/h3>\n<p>El l\u00edmite de aportaci\u00f3n diferida voluntaria de los empleados es de $24 500. Con la aportaci\u00f3n de recuperaci\u00f3n para mayores de 50 a\u00f1os de $8.000, los empleados que cumplan los requisitos pueden aportar hasta $32.500; los que tengan entre 60 y 63 a\u00f1os pueden aportar hasta $35.750.<\/p>\n\n<h3>\u00bfLa aportaci\u00f3n equivalente de mi empresa cuenta para el l\u00edmite de $24.500?<\/h3>\n<p>No. Las aportaciones del empleador se incluyen en el l\u00edmite combinado independiente de $72 000 para 2026, y no en el l\u00edmite de aplazamiento del empleado, que es de $24 500.<\/p>\n\n<h3>\u00bfCu\u00e1l es la contribuci\u00f3n de recuperaci\u00f3n adicional?<\/h3>\n<p>Se ha establecido una aportaci\u00f3n de recuperaci\u00f3n m\u00e1s elevada, de $11 250, para los empleados de entre 60 y 63 a\u00f1os, en virtud de la ley SECURE 2.0. Esta sustituye a la aportaci\u00f3n de recuperaci\u00f3n est\u00e1ndar de $8 000 para ese grupo de edad, siempre que el plan lo permita.<\/p>\n\n<h3>\u00bfLos planes Roth 401<\/h3>\n<p>S\u00ed. Las aportaciones a los planes 401(k) Roth y tradicionales comparten el mismo l\u00edmite de $24 500 por empleado para 2026. Ten en cuenta que, en el caso de las personas con ingresos elevados (m\u00e1s de $150 000 en salarios sujetos a la FICA del a\u00f1o anterior), las aportaciones de recuperaci\u00f3n deben ser Roth.<\/p>\n\n<h2>La conclusi\u00f3n<\/h2>\n\n<p>Para el a\u00f1o 2026, los empleados podr\u00e1n aportar $24 500 a un plan 401(k), con aportaciones adicionales de $8 000 (para mayores de 50 a\u00f1os) o de $11 250 (entre 60 y 63 a\u00f1os), y un l\u00edmite m\u00e1ximo combinado entre empleado y empresa de $72 000. El gran cambio normativo es el requisito de aportaciones de recuperaci\u00f3n del plan Roth para las personas con ingresos elevados. Si ofreces un plan, actualiza tus documentos de n\u00f3mina y del plan para que se ajusten a estos l\u00edmites; y si a\u00fan no ofreces ninguno, un plan 401(k) competitivo es una potente herramienta de retenci\u00f3n.<\/p>\n\n<p>Si quieres ver c\u00f3mo funciona la integraci\u00f3n de las prestaciones de jubilaci\u00f3n con la n\u00f3mina, el programa workers comp y el cumplimiento normativo en materia de recursos humanos a trav\u00e9s de un \u00fanico proveedor integrado, esta herramienta b\u00e1sica puede servirte de referencia inicial: <a href=\"https:\/\/peopaygo.com\/es\/get-rate-exchange-blogs\/u\/step-1\/\">https:\/\/peopaygo.com\/get-rate-exchange-blogs\/u\/step-1<\/a>.<\/p>\n\n<p><strong>\u00bfAdministrando un 401(k) este a\u00f1o?<\/strong> Actualiza los l\u00edmites de aplazamiento de tu plan, confirma tus tramos de recuperaci\u00f3n y aseg\u00farate de que tu plan admita recuperaciones Roth para los que ganan mucho.<\/p>\n\n<p><em>Este art\u00edculo tiene fines meramente informativos y no constituye asesoramiento legal, fiscal o financiero. Los l\u00edmites de los planes de jubilaci\u00f3n son establecidos por el IRS y se ajustan anualmente. Confirme las cifras actuales con el IRS o un asesor calificado de planes.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>For 2026, the IRS 401(k) employee contribution limit is $24,500, up from $23,500 in 2025. Employees age 50 and older can add an $8,000 catch-up for a total of $32,500, and those age 60 to 63 can use a &#8220;super catch-up&#8221; of $11,250 for a total of $35,750. The combined employee-plus-employer limit rises to $72,000. &hellip; <a href=\"https:\/\/peopaygo.com\/es\/2026\/07\/08\/401k-contribution-limits-2026-employee-catch-up-and-employer-maximums\/\">Contin\u00faa en<\/a><\/p>","protected":false},"author":10,"featured_media":18544,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-18549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payroll"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"For 2026, the IRS 401(k) employee contribution limit is $24,500, up from $23,500 in 2025. Employees age 50 and older can add an $8,000 catch-up for a total of $32,500, and those age 60 to 63 can use a \u201csuper catch-up\u201d of $11,250 for a total of $35,750. The combined employee-plus-employer limit rises to $72,000.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"yiseth kamell\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/peopaygo.com\/es\/2026\/07\/08\/401k-contribution-limits-2026-employee-catch-up-and-employer-maximums\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"es_ES\" \/>\n\t\t<meta property=\"og:site_name\" content=\"PEOPayGo - Workers Comp and Payroll Services for High-Risk\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"401(k) Contribution Limits 2026: Employee, Catch-Up, and Employer Maximums\" \/>\n\t\t<meta property=\"og:description\" content=\"For 2026, the IRS 401(k) employee contribution limit is $24,500, up from $23,500 in 2025. Employees age 50 and older can add an $8,000 catch-up for a total of $32,500, and those age 60 to 63 can use a \u201csuper catch-up\u201d of $11,250 for a total of $35,750. 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Employees age 50 and older can add an $8,000 catch-up for a total of $32,500, and those age 60 to 63 can use a \u201csuper catch-up\u201d of $11,250 for a total of $35,750. The combined employee-plus-employer limit rises to $72,000.","og:url":"https:\/\/peopaygo.com\/es\/2026\/07\/08\/401k-contribution-limits-2026-employee-catch-up-and-employer-maximums\/","article:published_time":"2026-07-08T14:20:58+00:00","article:modified_time":"2026-07-08T14:21:14+00:00","article:publisher":"https:\/\/www.facebook.com\/peo.pay.go","twitter:card":"summary_large_image","twitter:title":"401(k) Contribution Limits 2026: Employee, Catch-Up, and Employer Maximums","twitter:description":"For 2026, the IRS 401(k) employee contribution limit is $24,500, up from $23,500 in 2025. Employees age 50 and older can add an $8,000 catch-up for a total of $32,500, and those age 60 to 63 can use a \u201csuper catch-up\u201d of $11,250 for a total of $35,750. 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