The maximum 401(k) contribution limits for 2025 are as follows:
- For employees under age 50, the maximum employee contribution is $23,500.
- For employees aged 50 to 59, the catch-up contribution limit is $7,500 , making the total possible contribution $31,000.
- For employees aged 60 to 63, under the SECURE 2.0 Act, the catch-up contribution increases to $11,250 , allowing a total contribution of $34,750.
- For employees over age 63, the catch-up contribution reverts to $7,500 , with a total of $31,000.
These limits include both traditional pre-tax and Roth 401(k) contributions combined. Employer contributions do not count toward these individual limits but are subject to a total combined limit (employee plus employer) of up to $70,000 to $81,250 depending on age and catch-up eligibility. In summary:
Age Group| Employee Contribution Limit| Catch-Up Contribution| Total Max
Contribution
---|---|---|---
Under 50| $23,500| N/A| $23,500
50 to 59| $23,500| $7,500| $31,000
60 to 63| $23,500| $11,250| $34,750
Over 63| $23,500| $7,500| $31,000
These limits apply across all 401(k) accounts you may have combined and represent the maximum employee deferral allowed in 2025
