New 2026 retirement rules may let workers boost savings more quickly - here's how

New IRS rules for 2026 allow workers to save more for retirement. Limits increased for 401(k)s, IRAs, Roth accounts, SIMPLE plans, SEP-IRAs, and HSAs. Older workers get higher catch-up options, while some high earners must use Roth catch-ups. These changes can help savings grow faster if rules are followed carefully.