---
title: "Retirement Account Profiles"
description: "Sourced profiles for every major U.S. retirement account type: Traditional IRA, Roth IRA, 401(k), 403(b), 457(b), TSP, SEP IRA, SIMPLE IRA, Solo 401(k)."
canonical: https://www.getswoopr.com/accounts/retirement/
source: "Swoopr Investment: https://www.getswoopr.com"
---

## Direct Answer



Sourced profiles for every major U.S. tax-advantaged retirement account. 2026 contribution limits and eligibility rules are sourced from IRS Notice 2025-67 (IRA and workplace plan limits). These pages do not provide personalized investment advice.





      


# Retirement Account Profiles







## Individual Retirement Accounts (IRAs)



- [Traditional IRA](https://www.getswoopr.com/accounts/traditional-ira/), pre-tax contributions up to $7,500 in 2026 ($8,600 age 50+); tax-deferred growth; withdrawals taxed as ordinary income; deductibility phases out for active plan participants.
- [Roth IRA](https://www.getswoopr.com/accounts/roth-ira/), after-tax contributions up to $7,500 in 2026 ($8,600 age 50+); tax-free qualified withdrawals; income phaseout single $153,000-$168,000, MFJ $242,000-$252,000 MAGI.
- [Inherited Traditional IRA](https://www.getswoopr.com/accounts/inherited-traditional-ira/), inherited IRA rules for non-spouse beneficiaries; SECURE Act 10-year rule; eligible designated beneficiary exceptions.
- [SEP IRA](https://www.getswoopr.com/accounts/sep-ira/), self-employed and employer-established; 2026 limit lesser of 25% compensation or $72,000; compensation cap $360,000; no employee contributions.
- [SIMPLE IRA](https://www.getswoopr.com/accounts/simple-ira/), for employers with ≤100 employees; 2026 limit $17,000; catch-up $4,000 (age 50+), $5,250 (ages 60-63); mandatory employer contributions.








## Workplace Retirement Plans



- [Traditional 401(k)](https://www.getswoopr.com/accounts/traditional-401k/), employer-sponsored pre-tax deferred compensation; 2026 elective deferral $24,500; age 50+ catch-up $8,000; ages 60-63 catch-up $11,250.
- [Roth 401(k)](https://www.getswoopr.com/accounts/roth-401k/), designated Roth account inside a 401(k) plan; same deferral limits as traditional 401(k); no income limit unlike Roth IRA; tax-free qualified distributions.
- [403(b)](https://www.getswoopr.com/accounts/403b/), tax-sheltered annuity plan for public schools, 501(c)(3) nonprofits and churches; same limits as 401(k); unique 15-year catch-up for long-service employees.
- [Governmental 457(b)](https://www.getswoopr.com/accounts/governmental-457b/), deferred compensation for state and local government employees; $24,500 in 2026; special double-limit catch-up available in last 3 pre-retirement years.
- [Thrift Savings Plan (TSP)](https://www.getswoopr.com/accounts/thrift-savings-plan-tsp/), federal civilian and uniformed service plan; same elective deferral limits as 401(k); traditional and Roth contribution options; five core investment funds.
- [Solo 401(k)](https://www.getswoopr.com/accounts/solo-401k/), one-participant plan for self-employed with no full-time W-2 employees; employee deferral up to $24,500 plus employer profit-sharing; total 2026 limit up to $72,000.








## 2026 Retirement Account Limits at a Glance



| Account | 2026 Limit | Catch-Up (50+) |
| --- | --- | --- |
| Traditional IRA / Roth IRA | $7,500 | $1,100 (total $8,600) |
| 401(k) / 403(b) / TSP elective deferral | $24,500 | $8,000 (total $32,500) |
| Ages 60-63 catch-up (401k/403b/TSP) | $24,500 | $11,250 (total $35,750) |
| Governmental 457(b) | $24,500 | $8,000 (or double-limit special) |
| SEP IRA | $72,000 | N/A |
| SIMPLE IRA | $17,000 | $4,000 (ages 60-63: $5,250) |
| Solo 401(k) total | $72,000 | $80,000 (50+) |



Source: IRS Notice 2025-67. Limits are for the 2026 tax year. Verify current limits at [IRS.gov](https://www.irs.gov/retirement-plans/cola-increases-for-dollar-limitations-on-benefits-and-contributions).








## Related Resources



- [Investment Account Profiles Hub](https://www.getswoopr.com/accounts/), all account categories including brokerage, health and education accounts.
- [Roth vs. Traditional Calculator](https://www.getswoopr.com/tools/roth-vs-traditional-calculator/), model after-tax outcomes under different scenarios.
- [RMD Estimator](https://www.getswoopr.com/tools/rmd-estimator/), estimate required minimum distributions from IRAs and 401(k)s.
- [Retirement Savings Calculator](https://www.getswoopr.com/tools/retirement-savings-calculator/), project account balances with contribution schedules.
- [Retirement Investing Hub](https://www.getswoopr.com/retirement-investing/), strategy and planning content for retirement accounts.





      



## References



- [IRS: IRA Contribution Limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits)
- [IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500](https://www.irs.gov/newsroom/irs-announces-2026-retirement-plan-contribution-and-benefit-limits)








**[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)**



The Swoopr Editorial Team produces sourced investment education content for independent investors. All retirement account profiles cite IRS primary sources with verification dates. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).