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IRS contribution limits

Understanding IRS contribution limits is important, especially when your goal is to contribute the maximum to your account. Even if you can't do the max, consider increasing your contribution a little each year to potentially move closer to your retirement goals.

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2025 deferral limits1
Standard deferral Age 50+ catch-up Age 60-63 catch-up
$23,500 $7,500 $11,250
2024 deferral limits2
Standard deferral Age 50+ catch-up
$23,000 $7,500

The Age 50+ catch-up provision allows people over age 50 to contribute more to an eligible retirement plan. A higher catch-up provision applies beginning in 2025 if you will reach age 60-63 by the end of the calendar year.

IRA

2025 and 2024 Traditional/Roth IRA contribution limits3
Standard deferral Age 50+ catch-up
2025: $7,000 2025: $8,000
2024: $7,000 2024: $8,000

HSA

2025 and 2024 Self-only and family high-deductible health plan contribution limits4
Self-only coverage Family coverage
2025: $4,300 2025: $8,550
2024: $4,150 2024: $8,300
Stay up to date on any changes to the IRS deferral limits; visit the Retirement Plans section of the IRS website.
[1] 401(k) and IRA limit increases for 2025, IRA limit remains $7,000 | Internal Revenue Service
[2] 401(k) and IRA limit increases for 2024
[3] The annual limit is the sum of both Traditional IRA and Roth IRA contributions or your taxable compensation for the year, whichever is lower
[4] 2025 HSA limits