Your own 2026 limits add up to
$46,500
age 50 catch-up at 56 by December 31.
| 401(k) deferral with catch-up | $32,500 |
| IRA, traditional and Roth together | $8,600 |
| Roth IRA: reduced amount | $4,590 |
| Traditional IRA: not deductible | $0 |
| HSA, catch-up included | $5,400 |
Total = deferral + IRA + HSA. A direct Roth IRA contribution uses the same $8,600: here $4,590. Employer money comes on top, up to $72,000 (section 415(c)).