New 2026 Savings Limits = Big Wins for University Employees

The IRS just announced its contribution limits for 2026, and there’s exciting news for university staff with 403(b) and 457(b) retirement plans: you can now save more than ever before.

At Provizr, we know that retirement planning can feel like alphabet soup 403(b), 457(b), SECURE 2.0 but we’re here to translate it into real opportunities. Let’s break it down and show you what this means for your financial future.

What’s Changing in 2026The IRS is increasing the contribution limits for workplace retirement plans:

• 403(b) and 457(b) employee contribution limit: $24,500 (up from $23,500 in 2025)

• Catch up contribution (age 50 plus): $8,000

• SECURE 2.0 Special Catch up (ages 60 to 63, 403(b) only): $11,250

So how does this add up for university employees who often have access to both a 403(b) and a 457(b)? Here’s what you could potentially contribute in 2026:

Savings Scenarios for 2026

• Under 50 years old: $24,500 in a 403(b) plus $24,500 in a 457(b) = $49,000 total

• Age 50 plus: $32,500 in each = $65,000 total

• Ages 60 to 63 with special catch up: $35,750 in a 403(b) plus $32,500 in a 457(b) = $68,250 total

  
  

Why This Matters

Only 14 percent of people maxed out their workplace plans in 2024, according to Vanguard. That’s a lot of missed opportunity. These new limits give you even more reason to take control of your savings and if you’re not sure how, that’s where we come in.

How Provizr Can HelpWe specialize in helping university employees like you make the most of your TIAA and Fidelity accounts without transferring a dime. We’ll review your portfolio, check if your savings align with your goals, and help you determine how much you should be contributing.All this is part of our free Provizr Blueprint process no catch, no pressure. Ready to Maximize 2026? Schedule a free review with Provizr!