401, IRA and HSA Contribution limits for 2025

 

Contribution limits for 401k and 403b are increased to $23,500.

For people over 50 - catch-up contributions are additional $7,500.

Changes coming soon for 401k catch-up, in 2026:

401(k) Catch-up contribution changes:

Starting in 2026 the catch-up contributions will be after-tax, as Roth (starting if you earned more than $145,000 in the prior year). 

So, there will be no tax deductions for the catch-up amount.  

Traditional IRA and Roth IRA: unchanged $7,000.
For people over 50 - catch-up contributions are additional $1,000.

HSA: $4,300 for single and $8,5500 for family.
For people over 55 - catch-up contributions are additional $1,000.