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2025 Retirement Plan, HSA, and IRA Contribution Limits

November 5, 2024

The IRS has released the Annual Plan Limitations for 2025 for defined contribution and defined benefit plans. 403(b), 457(b), & 401(k) elective deferral, catch-up and other key limits are listed below.

 2025 Limits2024 Limits
Employee Elective Deferrals to 403(b), 457(b) and 401(k) Plans $23,500 $23,000
Catch-Up Contributions (Age 50 or older) to 403(b), 457(b) and 401(k) Plans$7,500 $7,500
Catch-Up Contributions (Ages 60 – 63 in 2025) to 403(b), 457(b) and 401(k) Plans$11,250n/a
Annual Addition Dollar Maximum (applies to Employer-paid 401(a), 403(b) and 401(k) Plans)$70,000$69,000
Defined Benefit Dollar Maximum $280,000 $275,000
Highly Compensated Employee Threshold (applies mainly to 401(k) Plans)$160,000 $155,000
Key Employee Threshold (applies mainly to 401(k) Plans)$230,000 $220,000
Annual Compensation (applies to almost all retirement plans)$350,000 $345,000
Annual IRA contribution$7,000$7,000
IRA catch-up contributions (age 50 and older; unchanged)$1,000 $1,000
Health Savings Accounts (HSA) Contribution Limits$4,300 Individuals //
$8,550 Families
$4,150 Individuals //
$8,300 Families
HSA Catch Up Contributions (age 55+) $1,000 $1,000

 

Click here to download a PDF version of this information.
Click here to view a complete list of 2025 IRS limits.

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