2025 401k Max Contribution Limit Over 50. However, individual retirement account (ira) contributions will continue to be $7,000 in 2025, the same as in 2024. The 401(k) contribution limit for 2025 is $23,500 for employee salary deferrals, and $70,000 for the combined employee and employer contributions.

Adults under 50 may contribute up to $23,500 to a 401(k) in 2025. The total employee contribution limit to all 401(k) and 403(b) plans for those under 50 will be going up from $23,000 in 2024 to $23,500 in 2025.