2025 401k Contribution Limits
Official IRS limits for employee elective deferrals
| Age Group | Base | Catch-Up | Total |
|---|---|---|---|
| Under 50 | $23,500 | - | $23,500 |
| Ages 50-59 | $23,500 | +$7,500 | $31,000 |
| Ages 60-63 🆕 | $23,500 | +$11,250 | $34,750 |
| Ages 64+ | $23,500 | +$7,500 | $31,000 |
NEW for 2025: Super Catch-Up
Under SECURE 2.0, participants aged 60-63 can contribute an additional $11,250 (up from $7,500). This is the highest catch-up amount ever allowed!
Ages 60-63 Max: $23,500 + $11,250 =$34,750
Other 2025 Limits
Total Annual Additions (Employee + Employer)$70,000
Compensation Limit (for calculations)$350,000
Required Minimum Distribution Age73
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