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Learn about IRS contribution limits and how small annual increases can help you reach your goals.

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2025 IRS contribution limits1

Contribution limits are determined by the Internal Revenue Service (IRS) each year. These amounts apply to each Plan, allowing you to contribute the maximum amount per Plan. The 2025 IRS contribution limits are detailed in the table below. Please note: if you have more than one plan, the maximum amount you can contribute to the combination of plans is $70,000 ($77,500 if age 50 or older).

Plan type Standard Age-based (50+) catch-up2 Special age-based (60-63) catch-up2 Traditional catch-up
457(b) Plan $23,500 $7,500 $11,250 $23,500
401(k) Plan $23,500 $7,500 $11,250 N/A
403(b) Plan $23,500 $7,500 $11,250 $15,000 Lifetime
401(a) Plan $70,000 N/A N/A N/A
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Previous standard deferral IRS limits

2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
$23,000 $22,500 $20,500 $19,500 $19,500 $19,000 $18,500 $18,000 $18,000 $18,000 $17,500

Individual Retirement Account (IRA) limits

2025 and 2024 Traditional/Roth IRA contribution limits3

Standard Deferral
2025 $7,000
2024 $7,000
Standard Deferral with Age 50 Catch Up
2025 $8,000
2024 $8,000
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[2] This option may not be available for all plans. Please contact your plan administrator to confirm availability.
[3] Annual limit is the sum of both Traditional IRA and Roth IRA contributions or your taxable compensation for the year, whichever is lower​

Plan documents indicate which catch-up options are available.