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@Just-Lisa-Now- wrote:
 its just a delayed update.

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REALLY delayed, because the IRS announced the new rates in November of 2019.  When it is announced a YEAR before the software comes out, you would THINK they would have those updated when they release the software in November.

https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19500-for-2020-catch-up-limit-rise...

But Intuit's stupidity is that they program the software based on IRS Publications, rather than anything authoritative.