Retirement Plan Contribution Limits
How much can you put into your savings plan?
Each year the Treasury Department announces how much you are allowed to put into your retirement savings accounts.
Some years the amount remains flat while other years you will see an increase in the contribution limit.
2026 Tax Year Summary
Here is an overview of the changes for 2025. You can download the flyers below for detailed information on all retirement plan types.
The annual contribution limit for employees who participate in 401(k), 403(b), most 457 plans and the federal government’s Thrift Savings Plan is $23,500 for 2025—a welcome increase from $23,000 in 2024.
| Account Type | 2025 PLAN CONTRIBUTION LIMIT | 2026 PLAN CONTRIBUTION LIMIT |
|---|---|---|
| IRA | $7,000 Over 50 Additional Catch-Up Contribution Allowed: $1,000 | $7,000 Over 50 Additional Catch-Up Contribution Allowed: $1,000 |
| ROTH IRA | $7,000 Over 50 Additional Catch-Up Contribution Allowed: $1,000 | $7,000 Over 50 Additional Catch-Up Contribution Allowed: $1,000 |
| 403(b) | $23,500 50-59 and 64+ Catch-up Contribution Allowed: $7,500 60-63 Catch-Up Contribution Allowed: $11,250 | $24,500 50-59 and 64+ Catch-up Contribution Allowed: $8,000 60-63 Catch-Up Contribution Allowed: $11,250 |
| 457 | $23,000 Over 50 Additional Catch-Up Contribution Allowed: $7,500 | $23,500 50-59 and 64+ Catch-up Contribution Allowed: $7,500 60-63 Catch-Up Contribution Allowed: $11,250 |
| 401(k) | $23,000 Over 50 Additional Catch-Up Contribution Allowed: $7,500 | $23,500 50-59 and 64+ Catch-up Contribution Allowed: $7,500 60-63 Catch-Up Contribution Allowed: $11,250 |
Contribution limits are based on IRS guidance and are subject to change. Contribution limits, catch-up provisions, and eligibility requirements may vary based on plan type, employer plan provisions, and individual circumstances. Consult your plan administrator, tax professional, or IRS guidance for the most current information.
