2025 401(k), IRA & Roth IRA Contribution Limits

Here are the key retirement savings limits for tax year 2025.

Account2025 LimitCatch-up (50+)
401(k), 403(b), most 457, TSP$23,500$7,500 (total $31,000)
Traditional & Roth IRA (combined)$7,000$1,000 (total $8,000)

Action steps

Figures reflect IRS 2025 guidance. IRA income phase-outs and Roth eligibility vary by MAGI.