2025 IRS Contribution Limits
| 2025 Limits | 2024 Limits | |
|---|---|---|
| Employee Elective Deferrals to the 403(b), 457(b) and 401(k) Plans | $23,500 | $23,000 |
| Catch-Up Contributions (Age 50 or older) to the 403(b), 457(b) and 401(k) Plans | $7,500 | $7,500 |
| Annual Addition Dollar Maximum (applies to Employer-paid 401(a), 403(b) and 401(k) Plans) | $70,000 | $69,000 |
| Defined Benefit Dollar Maximum | $280,000 | $275,000 |
| Highly Compensated Employee Threshold (applies mainly to 401(k) Plans) | $160,000 | $155,000 |
| Key Employee Threshold (applies mainly to 401(k) Plans) | $230,000 | $220,000 |
| Annual Compensation (applies to almost all retirement plans) | $350,000 | $345,000 |
| Annual IRA contribution | $6,500 | $7,000 |
| IRA catch-up contributions (age 50 and older; unchanged) | $1,000 | $1,000 |
| HSA Catch Up Contributions (age 55+) | $1,000 | $1,000 |
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