Here are 2025 retirement contribution limits, together with HSA limits and related figures.
Key items. For 2025, you can contribute up to $7,000 to your IRA, or $8,000 if 50 or older (same as 2024). Contribute up to $23,500 to a 401k or similar plan ($30,500 if 50 or older).
Figures on this page are adjusted for inflation each year. Also available are 2025 tax brackets, and other tax figures for 2025, including personal exemptions. Figures for other years are available in our Reference Room.
IRA contributions
With qualifying income, contribute up to this amount to a traditional or Roth IRA.
If you participate in an employer plan, the deduction for contributing to a traditional IRA begins to phase out with modified AGI above these levels.
The amount you can contribute to a Roth IRA is phased out (reduced or eliminated) when modified AGI exceeds these amounts.
Employer plans
Limit on the amount of compensation you can contribute to a 401k, 403b, or similar plan.
Limit on contributions to these plans.
Saver’s credit
Thresholds for retirement savings contribution credit.
Thresholds for retirement savings contribution credit.
Thresholds for retirement savings contribution credit.
Social Security
Maximum earnings taxed.
Health savings account (HSA)
Limit for HSAs.
Minimum for high-deductible plan.
Limits for high-deductible plan.
References: IRS Notice 2024-80 (retirement accounts), Rev. Proc. 2024-25 (HSA), SSA Notice 2024-24871 (wage base).
More tax figures: Reference Room
