| Type of account | 2025 contribution limit | 2025 catch-up contribution | Total allowed for 2025 with catch-up contribution |
|---|---|---|---|
| Employer retirement plan—401(k), 403(b), 457(b), or Thrift Savings Plan | $23,500 | $7,500 (or $11,250 for employees 60-63) | $30,500 (or $34,750 for employees 60-63) |
| Traditional IRA, Roth IRA | $7,000 | $1,000 | $8,000 |
| Health Savings Account (HSA) |
$4,300 (self-only) $8,550 (families)
|
$1,000 |
$5,300 (self-only) $9,550 (families*)
|
Disclosure Title
Disclosures
Disclosure
Source: irs.gov.
For illustration purposes only.
* This example refers to a family with one parent who is over 55. Married couples who are both over age 55 may each make a $1,000 annual catch-up contribution, but they would have to make catch-up contributions to separate HSAs since a joint HSA is not allowed, for an annual maximum of $10,550 in 2025 across the two HSAs. Both spouses must be eligible to contribute to an HSA.