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2025 Retirement Contribution Limits

Regarding 401(k), 403(b), 457 plans, and Thrift Savings Plan: The contribution limit for 2025 has increased to $23,500, a rise from the previous year's $23,000.

  • New “super catch-up” contribution: Individuals aged 60 to 63 can contribute up to an additional $11,250, raising the total limit to $34,750. Bonus tip: If you’re eligible, consider maximizing contributions now, as the super catch-up ends at age 64.

For individuals age 50 and older, the catch-up contribution remains at $7,500, resulting in a maximum contribution of $31,000 for 2025. For Traditional and Roth IRAs: The annual contribution limit remains at $7,000. Individuals aged 50 and above may continue with an additional catch-up contribution of $1,000, resulting in a total contribution of $8,000.

It is also essential to note the modifications in the income phase-out range for Roth IRA contributors: For single filers and heads of household, the range is now between $150,000 and $165,000. For those married and filing jointly, the updated range is between $236,000 and $246,000.

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