| Type | 2024 limit | 2025 limit | Change |
|---|---|---|---|
| 401(k), 403(b), 457(b), and their Roth equivalents | $23,000 | $23,500 | +$500 |
| Catch-up contribution, ages 50+ | $7,500 | $7,500 | No change |
| Catch-up contribution, ages 60–63* | N/A | $11,250 | New |
| Traditional and Roth IRAs | $7,000 | $7,000 | No change |
| Catch-up contribution, ages 50+ | $1,000 | $1,000 | No change |
| Health savings account |
Individual: $4,150 Family: $8,300
|
Individual: $4,300 Family: $8,550
|
Individual: +$150 Family: +$250
|
| Catch-up contribution, ages 55+ | $1,000 | $1,000 | No change |
| SEP-IRA† and overall defined contribution plan limit‡ | $69,000 |
$70,000
|
+$1,000
|
| SIMPLE IRA and SIMPLE 401(k) | $16,000 | $16,500 | +$500 |
| Catch-up contribution, ages 50+ | $3,500 | $3,500 | No change |
| Catch-up contribution, ages 60–63* | N/A | $5,250 | New |
Disclosure Title
Source
Disclosure
irs.gov.