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What is the current 401(k) contribution limit?

Published

For 2025, the 401(k) contribution limits are:

  • Standard Contribution Limit: Employees can contribute up to $23,500.
  • Catch-Up Contributions for Ages 50 and Above: Individuals aged 50 and over can contribute an additional $7,500, bringing their total contribution to $31,000.
  • Special Catch-Up Contributions for Ages 60 to 63: Employees in this age group can contribute an extra $11,250, increasing their total to $34,750.
  • Combined Employee and Employer Contribution Limit: The total combined amount employees and employers can contribute is $70,000.

Contribution limits are in place to ensure fairness in tax-advantaged retirement savings while balancing government tax revenue. These limits help encourage long-term retirement savings while preventing excessive tax-deferred wealth accumulation.