Increases to 401(k) and IRA contributions for 2025 give you more options to boost your savings.
Putting away as much as possible—in as many ways as possible—for the future may have huge long-term value. In 2025, IRS increases to max 401(k) and IRA contributions make it feasible to put more money in your savings.
2025 retirement account contribution amounts
Typically, the IRS increases contribution limits for retirement savings each year. In 2025, that's true, too. Contributions for employer-sponsored retirement plans such as 401(k)s increased for next year. Contributions for both individual retirement accounts and Roth IRAs remain the same as the previous year. Note: Some retirement plans may have lower limits, so check with your human resources or benefits department for details.
| Account | 2025 contribution limit |
|---|---|
| 401(k), 403(b), most 457 plans, Thrift Savings Plan | $23,500 |
| Individual retirement account (IRA) | $7,000 |
| Roth IRA | $7,000 |
Catch-up contributions for 401(k)s and 403(b)s for people age 50 and older also increased to $8,000, but not for IRAs and Roth IRAs. Those remain at $1,000. For those age 60-63, a so-called super catch-up contribution enables people to save an additional $11,250 in a 401(k).
The IRS also increased health savings account (HSA) contribution limits for 2025 for both individuals and families (see below). As a reminder: The money you contribute to an HSA can be rolled over each year, it isn’t taxed, grows tax-free, and you’re not taxed when you withdraw funds for qualified medical expenses. HSAs also have a catch-up contribution provision of $1,000 for those age 55 and older.
- 2025 HSA limit, self coverage: $4,300
- 2025 HSA limit, family coverage: $8,500
Income limits for IRA and Roth IRA contributions
There’s no phase-out income limit for IRAs—generally anyone making any amount of income can open and contribute to an IRA. (And yes, you can have an IRA even if you have a 401(k) or 403(b) through your work.) Above certain income limitations, Roth IRA contributions begin to phase out. Those are single/head of household making more than $150,000, and married filing jointly making more than $236,000.
Tax deduction limits for IRAs
Because Roth IRA contributions are made with after-tax dollars, they aren’t deductible on your taxes. But you may be able to deduct contributions to a traditional IRA; it’s dependent on income levels and whether or not you have a retirement plan through work. The ; check with your tax professional for details on your situation.
What’s next?
How much are you saving in your 51³Ô¹ÏºÚÁÏ retirement accounts, and do you want to increase your contributions? Your individual dashboard has lots of helpful details. Here's how to find out: Navigate to any 51³Ô¹ÏºÚÁÏ () page. Click on the blue "Log in" button in the upper right corner of the page. Enter your username and password. On the dashboard, click on the defined contribution tile on the left side.
