401k 2025 Contribution Limit Irs Catch-Up. For tax year 2025, employees can defer $23,500 into their 401 (k) and iras, a modest increase from the $23,000 contribution limit in 2024. But starting in 2025, workers aged 60 to 63 can boost.

That means an active participant 50 or older can contribute up. But starting in 2025, workers aged 60 to 63 can boost.