2025 Contribution Limits
November 4, 2024
The new Retirement Plan Contribution Limits are official!
The following limits are going up for 2025:
- Maximum contributions for 401(k), 403(b) and 457 increases to $23,500
- Maximum contributions for highly compensated employees increased to $160,000
- Maximum contributions for SIMPLE retirement accounts increased to $16,500
- Maximum contributions for Defined Contribution Limit increased to $70,000
- NEW Super Catch-up for Age 60-63 is $11,250
There are a number of new provisions including the "super catch-up" for ages 60-63. Review the full list of contribution limit changes here.
There are an estimated two million non-profit organizations in the U.S. This includes public charities, private foundations, and other types of organizations, such as schools and religious institutions. These entities operate under different tax laws and structures than for-profit companies do.
As we approach the end of the year, it’s time for employers, plan sponsors, and participants to review the new retirement plan limits for 2026. Each year, the IRS updates the thresholds for contributions, compensation, and catch-up amounts to account for inflation and statutory changes. Staying on top of these numbers is critical for plan compliance, participant communications, and overall retirement strategy.
The Roth Catch-Up Trap: What High Earners Need to Know New rules can create costly surprises for older employees.