Cash Balance Plan Limits in 2026: How the Rules Actually Work

Cash balance plan contribution limits for 2026 shown alongside the 401(k) contribution limit

A cash balance plan is a pension plan that allows a business owner or high-earning professional to shelter substantially more pre-tax income each year than a 401(k) permits. For 2026, a 401(k) plus profit sharing is capped at $72,000 in total contributions for one participant. A cash balance plan can sit on top of that […]